| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS | 456 MONTGOMERY STREET FL 1200 SAN FRANCISCO, CA 94194 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35K | — | $35K | 4.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IN SVCS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | — | $26K | 3.36% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS, INC./HUB INTL | 456 MONTGOMERY ST. FL 1200 SAN FRANCISCO, CA 941041249 | KAISER FOUNDATION HEALTH PLAN, INC | $19K | $0 | $19K | 5.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS INC | 456 MONTGOMERY ST STE 1200 SAN FRANCISCO, CA 941041264 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 5.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS INC | 456 MONTGOMERY ST STE 1200 SAN FRANCISCO, CA 941041264 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 101 MONTGOMERY STREET 14TH FLOOR SAN FRANCISCO, CA 94104 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $978 | $9K | 11.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SE | 4371 LATHAM ST SUITE #101 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS, INC. | 456 MONTGOMERY STREET, FL 16 SAN FRANCISCO, CA 941041249 | KAISER FOUNDATION HEALTH PLAN | $1K | $0 | $1K | 4.92% |
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 | 325 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 529 | $278K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 529 | $278K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 235 | $84K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 529 | $278K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 529 | $278K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 226 | $787K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.