| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN LAS CRUCES, NM 88001 | BLUE CROSS BLUE SHIELD OF NEW MEXICO | $96K | $621 | $96K | 5.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 6565 AMERICANS PARKWAY NE SUITE 720 ALBUQUERQUE, NM 87110 | DEARBORN LIFE INSURANCE COMPANY | $15K | $5K | $20K | 19.88% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 7.95% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN | PO BOX 9201 AUSTIN, TX 78766 | DEARBORN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.20% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $672 | $672 | 1.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6565 AMERICANS PARKWAY NE SUITE 720 ALBUQUERQUE, NM 87110 | METLIFE LEGAL PLANS | $605 | $0 | $605 | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVENUE, SUITE 200 SAINT PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $559 | $0 | $559 | 9.24% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN., INC. | PO BOX 9201 BUILDING I, SUITE 100 AUSTIN, NM 78766 | METLIFE LEGAL PLANS | $0 | $302 | $302 | 4.99% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 154 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $56K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 181 | $56K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 119 | $100K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 119 | $100K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 119 | $100K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 119 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.