| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | P.O. BOX 4047 CONCORD, CA 94524 | BLUE CROSS OF CALIFORNIA | $26K | $9K | $35K | 4.06% |
| TAX & FINANCIAL GROUP BENEFITS3 Filed as: TAX & FINANCIAL GROUP | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $14K | — | $14K | 1.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | AETNA LIFE INSURANCE COMPANY | $4K | $4K | $7K | 12.35% |
| TAX & FINANCIAL GROUP BENEFITS3 Filed as: TAX & FINANCIAL GROUP | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.16% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $3K | $35 | $3K | 14.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 17.23% |
| TAX & FINANCIAL GROUP BENEFITS3 Filed as: TAX & FINANCIAL GROUP | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $364 | $1K | 7.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $785 | $2K | 16.49% |
| TAX & FINANCIAL GROUP BENEFITS3 Filed as: TAX & FINANCIAL GROUP | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $619 | $206 | $825 | 7.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $125 | $101 | $226 | 17.47% |
| TAX & FINANCIAL GROUP BENEFITS3 Filed as: TAX & FINANCIAL GROUP | 4001 MACARTHUR BLVD. NEWPORT BEACH, CA 92660 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $69 | $23 | $92 | 7.11% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 118 | $919K |
| Dental | AETNA LIFE INSURANCE COMPANY | 118 | $60K |
| Vision | AETNA LIFE INSURANCE COMPANY | 118 | $60K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 102 | $32K |
| Short-term disability | AFLAC | 20 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 32 | $20K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 118 | $919K |
| Other(3 contracts, 2 carriers) | AFLAC | 102 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.