| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AETNA LIFE INSURANCE CO. | $183K | $23K | $206K | 5.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | AETNA HEALTH, INC. | $96K | — | $96K | 4.14% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT & BENEFITS LLC | 9370 SKY PARK COURT SUITE 250 SAN DIEGO, CA 92123 | AETNA LIFE INSURANCE CO. | $31K | — | $31K | 25.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. PASADENA, CA 91107 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 9.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 10.00% |
| IMA, INC.3 Filed as: IMA INC. | 136 E. SOUTH TEMPLE SUITE 2300 SALT LAKE CITY, UT 84111 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.05% |
| LEIGH ANN GILMORE4 | 16332 SARATOGA LANE HUNTINGTON BEACH, CA 92649 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $1K | — | $1K | 9.68% |
| VERONICA TICE4 | 2695 BENGAL TAN AVENUE NORTH LAS VEGAS, NV 89086 | PRE-PAID LEGAL SERVICES INC. DBA LEGAL SHIELD | $44 | — | $44 | 0.42% |
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 | 486 | 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) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,148 | $5.8M |
| Dental | AETNA LIFE INSURANCE CO. | 1,148 | $3.5M |
| Vision | AETNA LIFE INSURANCE CO. | 1,148 | $3.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 483 | $116K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 483 | $116K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 1,148 | $5.8M |
| Other(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 548 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,148 | — |
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.