| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | BLUE CROSS BLUE SHIELD OF ARIZONA | $42K | $0 | $42K | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $2K | $40K | 6.35% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | FOUR EVER LIFE INS CO | $3K | $0 | $3K | 15.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: BLUE CROSS BLUE SHIELD OF ARIZONA | 2444 W LAS PALMARITAS DR PHOENIX, AZ 85021 | FOUR EVER LIFE INS CO | $0 | $715 | $715 | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | FOUR EVER LIFE INS CO | $1K | $0 | $1K | 10.00% |
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 | 680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 570 | $4.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $636K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $636K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $636K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $636K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $636K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 570 | $4.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,387 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,387 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.