| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRANSTAR INSURANCE BROKERS, INC.3 | 5450 EAST HIGH STREET SUITE 230 PHOENIX, AZ 85054 | KAISER FOUNDATION HEALTH PLAN INC | $44K | — | $44K | 5.07% |
| TRANSTAR INSURANCE BROKERS, INC.3 | 5450 EAST HIGH STREET SUITE 230 PHOENIX, AZ 85054 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD INSURANCE SERVICES | 3800 NORTH CENTRAL AVENUE FLOOR 9 PHOENIX, AZ 85012 | AMERITAS LIFE INSURANCE CORP. | $16K | — | $16K | 13.00% |
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INS BROKERS INC | 5450 EAST HIGH STREET SUITE 230 PHOENIX, AZ 85054 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATION INC | 3800 NORTH CENTRAL AVENUE FLOOR 9 PHOENIX, AZ 85012 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC | 3800 NORTH CENTRAL AVENUE FLOOR 9 PHOENIX, AZ 85012 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $604 | $4K | 17.77% |
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INS BROKERS INC | 5450 EAST HIGH STREET SUITE 230 PHOENIX, AZ 85054 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 54.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATION INC | 3800 NORTH CENTRAL AVENUE FLOOR 9 PHOENIX, AZ 85012 | METROPOLITAN LIFE INSURANCE COMPANY | $339 | — | $339 | 9.91% |
| TRANSTAR INSURANCE BROKERS, INC.3 Filed as: TRANSTAR INS BROKERS INC | 5450 EAST HIGH STREET SUITE 230 PHOENIX, AZ 85054 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 37.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATION INC | 3800 NORTH CENTRAL AVENUE FLOOR 9 PHOENIX, AZ 85012 | METROPOLITAN LIFE INSURANCE COMPANY | $223 | — | $223 | 7.08% |
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 | 249 | 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) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN INC | 185 | $1.1M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 164 | $129K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 192 | $147K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $32K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 242 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.