| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | $338 | $6K | 10.64% |
| G ZUBIA ENTERPRISES INC3 Filed as: G ZUBIA ENTERPRISES, INC. | 6044 GATEWAY EAST EL PASO, TX 79905 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 13.04% |
| CARLSBAD INSURANCE AGENCY, INC.3 | 313 NORTH CANYON CARLSBAD, NM 88220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.93% |
| LIZA VALERIA DOMINGUEZ3 | 652 WIND RIVER EL PASO, TX 79932 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $451 | $2K | 5.27% |
| PHILLIP SEAMAN3 Filed as: PHILLIP THOMAS SEAMAN | 924 LAS AVES PLACE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $933 | $1K | 3.26% |
| CECILIA MARTINEZ MACKAY3 | 9716 EASTRIDGE DRIVE EL PASO, TX 79925 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $913 | $78 | $991 | 3.18% |
| VANESSA CARRASCO3 | 11209 CAMPESTRE LANE EL PASO, TX 79936 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $404 | $36 | $440 | 1.41% |
| MJ INSURANCE3 Filed as: RON ROSENSTEIN AND VARIOUS AGENTS | 3711 NORTH STANTON STREET EL PASO, TX 79902 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $166 | $13 | $179 | 0.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $840 | — | $840 | 6.86% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 97 | $56K |
| Vision | VISION SERVICE PLAN | 88 | $12K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 22 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.