| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | BLUE CROSS OF CALIFORNIA | $11K | — | $11K | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $924 | $3K | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN INC. | $31K | — | $31K | 4.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $163 | $9K | 19.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $153 | $8K | 19.60% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC. | DBA INTEGRO INSURANCE BROKERS P.O. BOX 101809 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $737 | $55 | $792 | 6.76% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | P.O. BOX 101809 PASADENA, CA 91189 | METLIFE LEGAL PLANS | $431 | $27 | $458 | 3.91% |
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 | 657 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 425 | $6.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,152 | $840K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,152 | $840K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,152 | $840K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,152 | $840K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,152 | $840K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 425 | $5.2M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,152 | $851K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,152 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.