| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 313 NORTH CANYON STREET CARLSBAD, NM 88220 | BLUECROSS BLUESHIELD OF NEW MEXICO | $37K | $0 | $37K | 5.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 6701 CENTER DRIVE WEST LOS ANGELES, CA 90045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $122 | $5K | 7.25% |
| G ZUBIA ENTERPRISES INC3 Filed as: G. ZUBIA ENTERPRISES INC. | 2417 MONTANA AVENUE EX PASO, TX 79903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $926 | $4K | 6.32% |
| CECILIA MARTINEZ MACKAY3 | 9716 EASTRIDGE DRIVE EL PASO, TX 79925 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $101 | $1K | 2.23% |
| ADRIANA CORONADO3 | 354 DENTON STREET CLINT, TX 79836 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $695 | $13 | $708 | 1.06% |
| MICHAEL E. HERNANDAZ3 Filed as: MICHAEL E. HERNANDEZ | 205 WEST 7TH STREET ROSWELL, NM 88201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $624 | $0 | $624 | 0.93% |
| DAMON DREW GRAHAM3 | 327 NORTH MAIN STREET ROSWELL, NM 88201 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $600 | $0 | $600 | 0.90% |
| LIZA VALERIA DOMINGUEZ3 Filed as: LIZA VALERIA DOMINGUEZ AND AGENTS | 652 WIND RIVE EL PASO, TX 79932 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $465 | $74 | $539 | 0.81% |
| ANDRES LOPEZ3 | 11713 SIERRA MORENA CIRCLE EL PASO, TX 79936 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $379 | $33 | $412 | 0.62% |
| VANESSA CARRASCO3 | 1516 JIM COLBERT LANE EL PASO, TX 79936 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $362 | $0 | $362 | 0.54% |
| ANGELA RENEE HERNANDEZ3 Filed as: ANGELA RENEE HERNANDEZ AND AGENTS | 1115 JOHN PHELAN EL PASO, TX 79936 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $212 | $28 | $240 | 0.36% |
| LUIS CARLOS SANDOVAL3 Filed as: LUIS CARLOS SANDOVAL AND AGENTS | 3141 AMARILLO STREET EL PASO, TX 79936 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $32 | $128 | 0.19% |
| RON ROSENSTEIN3 | 3711 NORTH STANTON STREET EL PASO, TX 79902 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $754 | $0 | $754 | 7.48% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 120 | $721K |
| Dental | BLUECROSS BLUESHIELD OF NEW MEXICO | 120 | $721K |
| Vision | VISION SERVICE PLAN | 79 | $10K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $67K |
| Prescription drug | BLUECROSS BLUESHIELD OF NEW MEXICO | 120 | $721K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 21 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.