| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $590 | $10K | 4.27% |
| CREST INSURANCE GROUP LLC3 Filed as: CREST INSURANCE GRP OF COLORADO LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 2.05% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: DICKERSON EMPLOYEE BEN | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.64% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACTIFIC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $491 | $491 | 0.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 N SCOTTSDALE RD STE 100 SCOTTSDALE, AZ 85254 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 6.99% |
| INSGROUP INC3 Filed as: CREST INSURANCE GROUP OF COLORADO | 2000 S COLORADO BLVD STE 11100 DENVER, CO 80222 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.64% |
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 | 158 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 91 | $243K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 91 | $243K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $54K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $54K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $54K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $54K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 158 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
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.