| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | BLUECROSS BLUESHIELD OF ARIZONA | $120K | — | $120K | 10.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC. | 3800 N. CENTRAL AVE. 9TH FL. PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $26K | $52K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC. | 3800 N. CENTRAL AVE. 9TH FLR TUCSON, AZ 85712 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | $33K | $99K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC. | 3800 N. CENTRAL AVE 9TH FLR PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $62K | $31K | $93K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC. | 3800 N. CENTRAL AVE 9TH FLR PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | $13K | $50K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC. INC. | 4516 EAST CAMP LOWELL DR. BLDG A TUCSON, AZ 85712 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC. | 3800 N. CENTRAL AVE 9TH FLR. PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC. | 4516 EAST CAMP LOWELL DR. BLDG A TUCSON, AZ 85712 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | — | $16K | 20.00% |
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 | 1,773 | 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) | 1,773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ARIZONA | 1,773 | $1.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 891 | $867K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 17 | $752 |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,134 | $336K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 481 | $617K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 486 | $659K |
| Prescription drug | BLUECROSS BLUESHIELD OF ARIZONA | 1,773 | $1.2M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ARIZONA | 1,773 | $1.2M |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,134 | $522K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,773 | — |
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.