| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3635 RIVERSIDE PLAZA DRIVE BUILDING M3 RIVERSIDE, CA 92506 | UNITED HEALTHCARE | $69K | $0 | $69K | 5.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | $274 | $7K | 5.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | UNKNOWN EL SEGUNDO, CA 90245 | DELTA DENTAL OF CALIFORNIA | $13K | $0 | $13K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3635 RIVERSIDE PLAZA DRIVE BUILDING M3 RIVERSIDE, CA 92506 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 11.12% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $677 | $215 | $892 | 3.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 3310 SANTA BARBARA, CA 93130 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $839 | $0 | $839 | 3.58% |
| MARIA YVONNE RODIGHIERO3 | 28502 SHRIKE DRIVE LAGUNA NIGUEL, CA 92677 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $509 | $32 | $541 | 2.31% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $282 | $69 | $351 | 1.50% |
| VGM BENEFIT ENROLLMENTS LLC3 Filed as: VGM BENEFIT ENROLLMENTS, LLC | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $181 | $113 | $294 | 1.25% |
| ROGER STUART KENCHEL3 Filed as: ROGER STUART KENCHEL & VRS AGNTS | 2588 EL CAMINO REAL CARLSBAD, CA 92008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $176 | $63 | $239 | 1.02% |
| JOHN A. BRADLEY INC.3 Filed as: JOHN A BRADLEY, INC. | 207 SOUTH MAIN STREET FOUNTAIN INN, SC 29644 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $70 | $0 | $70 | 0.30% |
| MCCAREY INC3 Filed as: MCCAREY, INC. | 965 MESA DRIVE CAMARILLO, CA 93010 | THE PAUL REVERE LIFE INSURANCE COMPANY | $129 | $22 | $151 | 2.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 3310 SANTA BARBARA, CA 93130 | THE PAUL REVERE LIFE INSURANCE COMPANY | $129 | $0 | $129 | 2.40% |
| ANDREA MARIE TIERCE3 | 2204 PLEASANTWOOD LANE ESCONDIDO, CA 92026 | THE PAUL REVERE LIFE INSURANCE COMPANY | $63 | $0 | $63 | 1.17% |
| ETHAN EXELBERT3 | 49 LANCASTER AVENUE BROOKLYN, NY 11223 | THE PAUL REVERE LIFE INSURANCE COMPANY | $61 | $0 | $61 | 1.13% |
| PATRICIA VICTORIA WALKER, VRS AGNTS3 | 1425 PARK PLACE BROOKLYN, NY 11213 | THE PAUL REVERE LIFE INSURANCE COMPANY | $31 | $3 | $34 | 0.63% |
| VGM BENEFIT ENROLLMENTS LLC3 Filed as: VGM BENEFIT ENROLLMENTS, LLC | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $4 | $24 | 0.45% |
| CALIFORNINA INSURANCE ADVOCATES INC3 | 41960 AVENIDA DE ANITA TEMECULA, CA 92592 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.22% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE | 212 | $1.5M |
| Dental | DELTA DENTAL OF CALIFORNIA | 274 | $133K |
| Vision | UNITED HEALTHCARE | 212 | $1.3M |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 113 | $63K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 113 | $63K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 113 | $63K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE | 212 | $1.5M |
| Other(5 contracts, 5 carriers) | DELTA DENTAL OF CALIFORNIA | 274 | $225K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.