| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | BLUE CROSS BLUE SHIELD OF ARIZONA | $51K | $2K | $53K | 5.20% |
| THE SABOL AGENCY INC Filed as: THE SABOL AGENCY INC PMB 398 | 10105 EAST VIA LINDA SUITE 103 SCOTTSDALE, AZ 85258 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $0 | $12K | 5.00% |
| MGIS | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 84111 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $180 | $180 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $140 | $6K | 6.18% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.16% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 174 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 130 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 321 | $101K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 144 | $1.0M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 321 | $337K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $236K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 174 | $236K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 130 | $1.0M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 321 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.