| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | BLUE CROSS OF CALIFORNIA | $211K | — | $211K | 5.24% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS OF CALIFORNIA | $13 | — | $13 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES, LLC | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 4.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 4.10% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTER DR SUITE 500 SAN DIEGO, CA 921221238 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 2.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES, LLC | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | STANDARD INSURANCE COMPANY | $16K | $3K | $19K | 13.32% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST SUITE 100 DENVER, CO 80202 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 2.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES, LLC | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | ANTHEM LIFE INSURANCE COMPANY | $3K | — | $3K | 5.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES, LLC | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | ARMADACARE | $375 | — | $375 | 1.44% |
| PATRICK KIRCHNER3 | 422 WAUPONSEE ST C/O GIS BENEFITS OF FLORIDA INC MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 30.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES, LLC | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 23.08% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $766 | $306 | $1K | 6.15% |
| PATRICK KIRCHNER3 | 422 WAUPONSEE ST C/O GIS BENEFITS OF FLORIIDA INC MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 30.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES, LLC | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 23.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $405 | $162 | $567 | 6.18% |
| PATRICK KIRCHNER3 | 422 WAUPONSEE ST C/O GIS BENEFITS OF FLORIDA INC MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 31.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES, LLC | 3475 E FOOTHILL BLVD SUITE 100 PASADENA, CA 91107 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 23.54% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $398 | $159 | $557 | 6.23% |
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 | 367 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 336 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $304K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $304K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 338 | $185K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 338 | $185K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 338 | $185K |
| Prescription drug | ARMADACARE | 1 | $26K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 338 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
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.