| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SRVS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $83K | $0 | $83K | 0.70% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSONINS SVCS WEST | 16220 NORTH SCOTTSDALE RD SUITE 600 SCOTTSDALE, AZ 85254 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $21K | $6K | $27K | 0.23% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INSURANCE SERV | P0 BOX 101162 PASADENA, CA 91189 | HARTFORD LIFE AND ACCIDENT | $61K | $8K | $69K | 17.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 9855 SCRANTON ROAD #1OO SAN DIEGO, CA 92121 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 3.50% |
| DOUG LENHOFF & ASSOCIATES3 Filed as: DOUG LENHOFF & ASSOCIATES INC | 8100 SW NYBERG SUITE 220 TUALATIN, OR 97062 | STANDARD INSURANCE COMPANY | $9K | $0 | $9K | 39.42% |
| MENDOZA, JESUS3 | 4250 EXECUTIVE SQUARE FL 9 LA JOLLA, CA 92037 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 35.30% |
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 | 735 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 699 | $11.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 699 | $11.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 744 | $401K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 744 | $401K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 744 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 744 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.