| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INS SVCS INC. | 3390 UNIVERSITY AVENUE STE 300 RIVERSIDE, CA 92501 | AETNA HEALTH INC | $143K | — | $143K | 3.05% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL OF CA INSURANCE | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92507 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $133K | $30K | $162K | 8.91% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INS SVCS INC. | 3390 UNIVERSITY AVENUE STE 300 RIVERSIDE, CA 92501 | AETNA LIFE INSURANCE CO | $17K | — | $17K | 2.89% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INS SVCS INC | 4371 LATHAM STREET #101 RIVERSIDE, CA 92501 | DELTA DENTAL OF CALIFORNIA | $16K | — | $16K | 5.25% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INS SVCS INC | 4371 LATHAM STREET #101 RIVERSIDE, CA 92501 | DELTA DENTAL OF CALIFORNIA | $11K | — | $11K | 10.52% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL OF CA INSURANCE | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $227 | $3K | 20.16% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INSURANCE | 4371 LATHAM STREET #101 RIVERSIDE, CA 92501 | HEALTH AND HUMAN RESOURE CENTER | $466 | — | $466 | 4.87% |
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 | 867 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 867 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 73 | $602K |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 198 | $408K |
| Life insurance | HEALTH AND HUMAN RESOURE CENTER | 170 | $10K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 827 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 827 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.