| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | PO BOX 2158 RIVERSIDE, CA 92516 | BLUECROSS BLUESHIELD OF OKLAHOMA | $30K | $696 | $31K | 4.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 580 NORTH BANK LANE LAKE FOREST, IL 60045 | DELTA DENTAL OF NEW MEXICO | $4K | $0 | $4K | 8.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 600 CORPORATE POINTE, SUITE 600 CULVER CITY, CA 90230 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 4.55% |
| G ZUBIA ENTERPRISES INC3 | 2417 MONTANA AVENUE EL PASO, TX 79903 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $998 | $15 | $1K | 2.63% |
| CECILIA MARTINEZ MACKAY3 | 9716 EASTRIDGE DRIVE EL PASO, TX 79925 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $281 | $8 | $289 | 0.75% |
| MARIA GRACIELA PAMANES3 | 7505 EAGLE VISTA DRIVE EL PASO, TX 79911 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | $2 | $111 | 0.29% |
| FABIOLA VILLA3 | 232 THREE RIVERS DRIVE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $65 | $0 | $65 | 0.17% |
| MERKI BENEFITS ADMINISTRATION LLC3 | 652 WIND RIVER EL PASO, TX 79932 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $50 | $11 | $61 | 0.16% |
| MJ INSURANCE3 Filed as: ANDRES LOPEZ AND VARIOUS AGENTS | 11713 SIERRA MORENA CIRCLE EL PASO, TX 79936 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $32 | $0 | $32 | 0.08% |
| VANESSA CARRASCO3 | 1282 ZELLIGE STREET EL PASO, TX 79928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.06% |
| MJ INSURANCE3 Filed as: LUISA DE STEFANO & VARIOUS AGENTS | 1265 SOUTHWESTERN DRIVE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.03% |
| MJ INSURANCE3 Filed as: ANGELA HERNANDEZ AND VARIOUS AGENTS | 12613 PASCO RAE AVENUE EL PASO, TX 79928 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $673 | $0 | $673 | 7.91% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 98 | $751K |
| Dental | DELTA DENTAL OF NEW MEXICO | 114 | $45K |
| Vision | VISION SERVICE PLAN | 66 | $9K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 16 | $38K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 98 | $751K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 16 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
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.