| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN | $8K | $0 | $8K | 2.88% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BEEFITS RESEARCH LLC | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $6K | $0 | $6K | 2.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB ACCOUNTING OFFICE HUBCA | UNKNOWN ANAHEIM, CA 92806 | NEW BENEFITS | $58K | $0 | $58K | 22.55% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | $703 | $122 | $825 | 8.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | METLIFE LEGAL PLANS | $224 | $0 | $224 | 2.43% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | METLIFE LEGAL PLANS | $0 | $163 | $163 | 1.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | METROPOLITAN GENERAL INSURANCE COMPANY | $422 | $0 | $422 | 9.99% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $163 | $163 | 3.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $32 | $32 | 0.76% |
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 | 499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 572 | $279K |
| Vision | VISION SERVICE PLAN | 417 | $76K |
| Life insurance | GUARDIAN | 572 | $279K |
| Short-term disability | GUARDIAN | 572 | $279K |
| Long-term disability | GUARDIAN | 572 | $279K |
| Other(5 contracts, 5 carriers) | GUARDIAN | 2,058 | $576K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,058 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.