| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 5405 MOREHOUSE DR SAN DIEGO, CA 92121 | AETNA HEALTH OF CALIFORNIA INC. | $45K | $0 | $45K | 3.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 9855 SCRANTON ROAD SAN DIEGO, CA 92121 | AETNA HEALTH OF CALIFORNIA INC. | $10K | $0 | $10K | 0.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 5405 MOREHOUSE DR SAN DIEGO, CA 92121 | AETNA LIFE INSURANCE COMPANY | $16K | $4K | $21K | 6.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 9855 SCRANTON ROAD SAN DIEGO, CA 92121 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 3390 UNIVERSITY AVE # 300 RIVERSIDE, CA 92501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | $0 | $20K | 10.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 111 S TEJON ST STE 113 COLORADO SPRINGS, CO 80903 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $3K | $3K | 1.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 9855 SCRANTON ROAD SUITE 100 SAN DIEGO, CA 92121 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 9855 SCRANTON ROAD SUITE 100 SAN DIEGO, CA 92121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $157 | $1K | 20.43% |
| CK GOHL INSURANCE SOLUTIONS3 | 4610 68TH ST LA MESA, CA 91942 | AFLAC | $157 | $0 | $157 | 5.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 75 W TOWNE RIDGE PKWY STE 400 SANDY, UT 84070 | AFLAC | $109 | $0 | $109 | 3.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 2393 TOWNSGATE RD STE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $66 | $0 | $66 | 2.26% |
| WHITNEY L MILLWOOD3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $48 | $0 | $48 | 1.64% |
| CATHERINE GOHL3 | 4610 68TH ST LA MESA, CA 91942 | AFLAC | $41 | $0 | $41 | 1.40% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | AFLAC | $39 | $0 | $39 | 1.33% |
| MORGAN MICHELLE MCGOWN3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $38 | $0 | $38 | 1.30% |
| BROOKE K FRAPWELL3 | 4 FOX HOLLOW CT FLEMINGTON, NJ 08822 | AFLAC | $29 | $0 | $29 | 0.99% |
| SHANAI MICHELLE BAISDEN3 | 8683 SANDY BEV LN LEMON GROVE, CA 91945 | AFLAC | $24 | $0 | $24 | 0.82% |
| LEESA-GAY IRENE HINSCH3 | 7345 CALLE CRISTOBAL UNIT 169 SAN DIEGO, CA 92126 | AFLAC | $21 | $0 | $21 | 0.72% |
| MARK HABER & ASSOC INC3 Filed as: MARK HALIM HABER | 9370 SKY PARK CT STE 250 SAN DIEGO, CA 92123 | AFLAC | $18 | $0 | $18 | 0.62% |
| NORA NIDO3 | PO BOX 720543 SAN DIEGO, CA 92172 | AFLAC | $18 | $0 | $18 | 0.62% |
| ALLISON LEEDS3 | 3525 DEL MAR HEIGHTS RD 301 SAN DIEGO, CA 92130 | AFLAC | $17 | $0 | $17 | 0.58% |
| MANDY L. LOUGHLIN3 Filed as: MANDY L LOUGHLIN | 257 BALSAM ST RIDGECREST, CA 93555 | AFLAC | $10 | $0 | $10 | 0.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 9855 SCRANTON RD STE 100 SAN DIEGO, CA 92121 | AFLAC | $9 | $0 | $9 | 0.31% |
| BRAD D FRAPWELL3 | 755 BRIGHTON WAY NEW HOPE, PA 18938 | AFLAC | $8 | $0 | $8 | 0.27% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES DONALD SPROUSE | 13122 MESA CREST PL STE 105 SAN DIEGO, CA 92129 | AFLAC | $8 | $0 | $8 | 0.27% |
| TAMMIE KNOBLOCH3 | PO BOX 2302 ALPINE, CA 91903 | AFLAC | $6 | $0 | $6 | 0.21% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DR STE 500 SAN DIEGO, CA 92122 | AFLAC | $5 | $0 | $5 | 0.17% |
| ANDREW R GRETHEL3 | 11739 HICKORY RUN CT LOVELAND, OH 45140 | AFLAC | $3 | $0 | $3 | 0.10% |
| NICOLE LYNN RIHANEK3 | 1205 6TH AVE E APT 4312 BRADENTON, FL 34208 | AFLAC | $2 | $0 | $2 | 0.07% |
| JULIA E WILLIAMS3 | 23413 OAKLEY PL RAMONA, CA 92065 | AFLAC | $2 | $0 | $2 | 0.07% |
| RAKY INSURANCE AGENCY3 | 3944 MURPHY CANYON RD SAN DIEGO, CA 92123 | AFLAC | $1 | $0 | $1 | 0.03% |
| JAMES J GRETHEL3 | 865 CEDAR DR LOVELAND, OH 45140 | AFLAC | $1 | $0 | $1 | 0.03% |
| ANGELA T ADAMS3 Filed as: ANGELA ADAMS | 3505 ANGELUCCI ST UNIT 1O SAN DIEGO, CA 92111 | AFLAC | $1 | $0 | $1 | 0.03% |
| ANDREW BIALOCK3 | 5308 CORTE PLAYA JACINTO SAN DIEGO, CA 92124 | AFLAC | $1 | $0 | $1 | 0.03% |
| KERSTIN J VANZANTEN3 | 40152 STOWE RD TEMECULA, CA 92591 | AFLAC | $1 | $0 | $1 | 0.03% |
| JORDREW INS SOLUTIONS INC3 | 3944 MURPHY CANYON RD STE C203 SAN DIEGO, CA 92123 | AFLAC | $1 | $0 | $1 | 0.03% |
| COLLEEN M LAPRADE3 | 6005 HIDDEN VALLEY RD STE 150 CARLSBAD, CA 92011 | AFLAC | $1 | $0 | $1 | 0.03% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $1 | $0 | $1 | 0.03% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 268 | $1.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 868 | $195K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 868 | $195K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $7K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 868 | $195K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH OF CALIFORNIA INC. | 268 | $1.5M |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 868 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.