| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $28K | $0 | $28K | 4.31% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE & ASSOCIATES INC | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$7K | -$7K | -1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $11K | 13.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS | 456 MONTGOMERY ST 16TH FLOOR SAN FRANCISCO, CA 94104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 3.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $1K | $5K | 10.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS | 456 MONTGOMERY ST 16TH FL SAN FRANCISCO, CA 94104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 2.08% |
| ROB VEST4 | 139 DUTCHMANS POINT RD PORT HAYWOOD, VA 23138 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $3K | $0 | $3K | 30.67% |
| LEGAL BENEFITS STOLTZ LLC4 Filed as: LEGAL BENEFITS - STOLTZ LLC | 14617 N 45TH PL PHOENIX, AZ 85032 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $103 | $0 | $103 | 0.94% |
| AARON C KREPS4 Filed as: AARON C. KREPS | 819 RIVERPARK LN BOISE, ID 83706 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $70 | $0 | $70 | 0.64% |
| MITCHELL CROPP4 | 2816 DORR AVE FAIRFAX, VA 22031 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | $0 | $37 | 0.34% |
| JAMES BENSHOOF4 | P O BOX 39 LINDRIFT, NM 87029 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $26 | $0 | $26 | 0.24% |
| DAVID PAPERNO4 | 78347 GRAPE ARBOR AVE PALM DESERT, CA 92211 | PREPAID LEGAL SERVICES INC DBA LEGALSHIELD | $21 | $0 | $21 | 0.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $642 | $112 | $754 | 13.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS | 456 MONTGOMERY ST 16TH FL SAN FRANCISCO, CA 94104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $183 | $0 | $183 | 3.33% |
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 | 301 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 432 | $651K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 432 | $651K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $86K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $51K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 432 | $651K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 432 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.