| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | SUNLIFE ASSURANCE COMPANY OF CANADA | $21K | $0 | $21K | 10.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | SUNLIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 1.49% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH BENEFITS SOLUTIONS LLC | 18940 NORTH PIMA ROAD, SUITE 210 SCOTTSDALE, AZ 85255 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $647 | $647 | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 333 WEST EL CAMINO REAL, SUITE 330 SUNNYVALE, CA 94087 | ANTHEM BLUE CROSS BLUE LIFE AND HEALTH INSURANCE COMPANY | $1K | $79 | $2K | 17.26% |
| UNKNOWN3 | UNKNOWN COSTA MESA, CA 92626 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $550 | $0 | $550 | 10.02% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 148 | $204K |
| Vision | SUNLIFE ASSURANCE COMPANY OF CANADA | 148 | $204K |
| Life insurance(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 184 | $213K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 148 | $204K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 148 | $204K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 148 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.