| 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 | — | $6K | 9.98% |
| G ZUBIA ENTERPRISES INC3 Filed as: G. ZUBIA ENTERPRISES, INC. | 2417 MONTANA AVENUE EL PASO, TX 79903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 14.28% |
| CARLSBAD INSURANCE AGENCY, INC.3 | 313 NORTH CANYON CARLSBAD, NM 88220 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.93% |
| LIZA VALERIA DOMINGUEZ3 | 652 WIND RIVER EL PASO, TX 79932 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $726 | $216 | $942 | 2.95% |
| CECILIA MARTINEZ MACKAY3 | 9716 EASTRIDGE DRIVE EL PASO, TX 79925 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $559 | $152 | $711 | 2.23% |
| VANESSA CARRASCO3 | 11209 CAMPESTRE LANE EL PASO, TX 79936 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $342 | $225 | $567 | 1.78% |
| MJ INSURANCE3 Filed as: ANDRES LOPEZ AND VARIOUS AGENTS | 11713 SIERRA MORENA CIRCLE EL PASO, TX 79936 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $327 | — | $327 | 1.03% |
| PHILLIPS THOMAS SEAMAN3 | 9240LAS AVES PLACE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $66 | $185 | $251 | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $721 | — | $721 | 7.19% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 50 | $56K |
| Vision | VISION SERVICE PLAN | 65 | $10K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 24 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 65 | — |
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.