| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC | 4830 WEST KENNEDY BOULEVARD SUITE 850 TAMPA, CA 33609 | UNION SECURITY INSURANCE COMPANY | $12K | $562 | $13K | 11.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC | 3390 UNIVERSITY AVENUE SUITE 300 RIVERSIDE, CA 92501 | SUNLIFE ASSURANCE COMPANY OF CANADA | $6K | $161 | $6K | 14.91% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS, LLC | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $535 | $535 | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC | 4830 WEST KENNEDY BOULEVARD SUITE 850 TAMPA, CA 33609 | UDC DENTAL OF CALIFORNIA, INC | $3K | $201 | $3K | 10.79% |
| UNKNOWN3 | UNKNOWN COSTA MESA, CA 92626 | FIDELITY SECURITY LIFE INSURANCE | $2K | $0 | $2K | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC | 4371 LATHAM STREET SUITE 101 RIVERSIDE, CA 92501 | ANTHEM BLUE CROSS BLUE SHIELD | $819 | $0 | $819 | 10.04% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 146 | $138K |
| Vision | UNION SECURITY INSURANCE COMPANY | 146 | $112K |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 159 | $52K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 146 | $43K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 146 | $43K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 146 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.