| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST, 52ND FL LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 3.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $13K | 6.70% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST, 52ND FL LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 3.16% |
| C3 RISK & INSURANCE SERVICES3 Filed as: C3 RISK & INSURANCE SERVICE | 404 DEL RIO SOUTH, SUITE 410 SAN DIEGO, CA 92108 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $941 | — | $941 | 0.50% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST, 52ND FL LOS ANGELES, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 3.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 0.90% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 777 S FIGUEROA ST, 52ND FL LOS ANGELES, CA 90017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $514 | $514 | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $114 | $114 | 0.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 17.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | ARAG INSURANCE COMPANY | $3K | — | $3K | 9.29% |
| C3 RISK & INSURANCE SERVICES3 | 404 DEL RIO SOUTH, SUITE 410 SAN DIEGO, CA 92108 | ARAG INSURANCE COMPANY | $220 | — | $220 | 0.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 17.50% |
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 | 766 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN | 360 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,140 | $30K |
| Vision | VISION SERVICE PLAN | 598 | $70K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 766 | $194K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 766 | $189K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 766 | $187K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN | 360 | $2.2M |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 957 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,140 | — |
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.