| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HERSHENBERG & STONE-WALSH INSURANCE3 Filed as: HERSHENBERG & STONE-WALSH | PAUL HERSHENBERG 2101 E. BROADWAY ROAD, SUITE 30 TEMPE, AZ 85282 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | $12K | — | $12K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC-PHOENIX | 3800 N CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 850121979 | HUMANA HEALTH PLAN, INC. | $10K | — | $10K | 4.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC.-PHOENIX | 3800 N CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 850121979 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 7.37% |
| STONE WALSH, RORY3 | 2131 E BROADWAY ROAD SUITE 29 TEMPE, AZ 852821885 | HUMANA INSURANCE COMPANY | — | $2K | $2K | 5.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC. | 3800 N CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 14.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC. | 3800 N CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $943 | $4K | 20.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC. | 3800 N CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $638 | $2K | 20.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK, GOULD & ASSOCIATES | 3800 N. CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | AVESIS INSURANCE INCORPORATED | $657 | — | $657 | 10.22% |
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 | 159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC. | 123 | $544K |
| Dental | HUMANA INSURANCE COMPANY | 159 | $34K |
| Vision(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 159 | $41K |
| Life insurance | HUMANA INSURANCE COMPANY | 159 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 155 | $12K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 159 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.