| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | BLUE CROSS OF CALIFORNIA | $32K | — | $32K | 3.10% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 4851 LBJ FREEWAY, #1100 DALLAS, TX 75244 | BLUE CROSS OF CALIFORNIA | — | $23K | $23K | 2.21% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND STREET, SUITE 401 NORTH TOWER SAN FRANCISCO, CA 94107 | BLUE CROSS OF CALIFORNIA | $14K | — | $14K | 1.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | KAISER FOUNDATION HEALTH PLAN INC. | $14K | — | $14K | 3.56% |
| YOURPEOPLE, INC.3 | DEPT LA 24402 PASADENA, CA 91185 | KAISER FOUNDATION HEALTH PLAN INC. | $6K | — | $6K | 1.54% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | DEPT LA 24402 PASADENA, CA 91185 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 6.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $49 | $9K | 6.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | VISION SERVICE PLAN | $999 | — | $999 | 3.55% |
| YOURPEOPLE, INC.3 | PO BOX 845661 LOS ANGELES, CA 90084 | VISION SERVICE PLAN | $353 | — | $353 | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $674 | $3K | 12.31% |
| ZENEFITS3 | DEPT LA 24402 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.36% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $648 | $648 | 2.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $319 | $1K | 12.39% |
| ZENEFITS3 | DEPT LA 24402 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $624 | — | $624 | 5.32% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $302 | $302 | 2.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | HOLMAN FAMILY COUNSELING, INC. | $652 | — | $652 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $572 | $161 | $733 | 12.41% |
| ZENEFITS3 | DEPT LA 24402 PASADENA, CA 91185 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $315 | — | $315 | 5.33% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $152 | $152 | 2.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | UNION SECURITY INSURANCE COMPANY | $300 | — | $300 | 13.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | PO BOX 6030 PASADENA, CA 91102 | UNION SECURITY INSURANCE COMPANY | $240 | — | $240 | 10.87% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 103 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $146K |
| Vision | VISION SERVICE PLAN | 145 | $28K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $12K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 103 | $1.4M |
| Other(4 contracts, 3 carriers) | HOLMAN FAMILY COUNSELING, INC. | 185 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.