| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 5375 MIRA SORRENTO PLACE, SUITE 400 SAN DIEGO, CA 92121 | HARTFORD LIFE AND ACCIDENT | $53K | $0 | $53K | 4.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 970 RESERVE DRIVE, SUITE 200 ROSEVILLE, CA 95678 | HARTFORD LIFE AND ACCIDENT | $0 | $35K | $35K | 2.62% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 75 WEST TOWNE RIDGE PARKWAY SUITE 400 SANDY, UT 84070 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 0.21% |
| BENEFITSTORE INC3 Filed as: BENEFITSTORE, INC. | 100 BENFITFOCUS WAY CHARLESTON, SC 29492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90K | $0 | $90K | 29.09% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | LOCKBOX 740663 LOS ANGELES, CA 90074 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.83% |
| BENEFITSTORE INC5 Filed as: BENEFITSTORE, INC. | 100 BENFITFOCUS WAY CHARLESTON, SC 29492 | ARAG INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
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 | 4,444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CALIFORNIA PHYSICIANS SERVICE | 7,469 | $70K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,444 | $1.3M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,444 | $1.3M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,444 | $1.3M |
| Other(4 contracts, 4 carriers) | HARTFORD LIFE AND ACCIDENT | 4,444 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,469 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.