| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | BLUE CROSS BLUE SHIELD OF ARIZONA | $58K | $0 | $58K | 2.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | CIGNA HEATH AND LIFE INSURANCE COMPANY | $13K | $452 | $14K | 7.61% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | CIGNA GROUP INSURANCE | $12K | $0 | $12K | 13.68% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: EQUITY RISK PARTNERS | 456 MONTGOMERY ST 16TH FL SAN FRANCISCO, CA 94104 | CIGNA GROUP INSURANCE | $1K | $0 | $1K | 1.18% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 9.22% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: EQUITY RISK PARTNERS | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $362 | $0 | $362 | 0.78% |
| ROB VEST4 | 139 DUTCHMANS POINT RD PORT HAYWOOD, VA 23138 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $9K | $0 | $9K | 39.78% |
| LEGAL BENEFITS STOLTZ LLC | 8390 E VIA DE VENTURA SUITE 205 SCOTTSDALE, AZ 85258 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $112 | — | $112 | 0.51% |
| AARON C KREPS4 Filed as: AARON KREPS | 819 E RIVERPARK LN BOISE, ID 83706 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $104 | $0 | $104 | 0.47% |
| MITCHELL CROPP4 | 2816 DORR AVE FAIRFAX, VA 22031 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $41 | $0 | $41 | 0.19% |
| JAMES BENSHOOF4 | PO BOX 39 LINDRIFT, NM 87029 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $29 | $0 | $29 | 0.13% |
| DAVID J MCCLELLAN4 Filed as: DAVID E PAPERNO | 78347 GRAPE ARBOR AVE PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | $0 | $23 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $810 | $0 | $810 | 13.97% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: EQUITY RISK PARTNERS | 456 MONTGOMERY ST 16TH FL SAN FRANCISCO, CA 94104 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $60 | $0 | $60 | 1.04% |
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 | 307 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 217 | $2.2M |
| Dental | CIGNA HEATH AND LIFE INSURANCE COMPANY | 244 | $182K |
| Vision(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ARIZONA | 244 | $2.3M |
| Life insurance | CIGNA GROUP INSURANCE | 0 | $87K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $46K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 217 | $2.2M |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | 96 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.