| 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 | BLUECROSS BLUESHIELD OF NEW MEXICO | $129K | $702 | $129K | 5.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 6565 AMERICAS PARKWAY ALBUQUERQUE, NM 87110 | DEARBORN LIFE INSURANCE COMPANY | $20K | $0 | $20K | 14.65% |
| GIS OF ILLINOIS3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.86% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN | PO BOX 9201 AUSTIN, TX 78766 | DEARBORN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONA INS. SVCS., INC | 2560 PROFESSIONAL PARKWAY SANTA MARIA, CA 93455 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.98% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $9K | $9K | 8.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6565 AMERICAS PARKWAY NE, SUITE 720 ALBUQUERQUE, NM 87110 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVENUE, SUITE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $988 | $0 | $988 | 9.25% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMIN., INC. | PO BOX 9201, BUILDING I, SUITE 100 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $534 | $534 | 5.00% |
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 | 445 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF NEW MEXICO | 220 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $104K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 259 | $104K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 445 | $134K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 445 | $134K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 445 | $134K |
| Prescription drug | BLUECROSS BLUESHIELD OF NEW MEXICO | 220 | $2.3M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 445 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.