| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS WOLFLEY3 | 75 W TOWNE RIDGE PARKWAY TOWER 2, STE 400 SANDY, UT 84070 | BLUE CROSS OF IDAHO HEALTH SERVICE INC | $105K | $5K | $110K | 3.20% |
| SHANNON TAYLOR3 | 9855 SCRANTON RD STE 100 SAN DIEGO, CA 92121 | BLUE CROSS OF IDAHO HEALTH SERVICE INC | $35K | — | $35K | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INC | PO BOX 2158 RIVERSIDE, CA 92516 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.89% |
| SPECTRA MANAGEMENT, LLC3 Filed as: SPECTRA MANAGEMENT LLC | 75 W TOWNE RIDGE PARKWAY TOWER 2 SUITE 400 SANDY, UT 84070 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INC | PO BOX 2158 RIVERSIDE, CA 92516 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 8.57% |
| SPECTRA MANAGEMENT, LLC3 Filed as: SPECTRA MANAGEMENT LLC | 75 W TOWNE RIDGE PARKWAY TOWER 2 SUITE 400 SANDY, UT 84070 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INC | PO BOX 2158 RIVERSIDE, CA 92516 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.65% |
| SPECTRA MANAGEMENT, LLC3 Filed as: SPECTRA MANAGEMENT LLC | 75 WEST TOWNE RIDGE PARKWAY TOWER 2, SUITE 400 SANDY, UT 84070 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $17K | — | $17K | 45.44% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $156 | — | $156 | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INC | PO BOX 2158 RIVERSIDE, CA 92516 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.45% |
| SPECTRA MANAGEMENT, LLC3 Filed as: SPECTRA MANAGEMENT LLC | 75 W TOWNE RIDE PARKWAY TOWER 2, SUITE 400 SANDY, UT 84070 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $848 | — | $848 | 3.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $903 | — | $903 | 5.44% |
| GBS BENEFITS INC3 | 465 SOUTH 400 EAST STE 300 SALT LAKE CITY, UT 84111 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $886 | — | $886 | 5.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 34.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 42.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $327 | — | $327 | 8.27% |
| GBS BENEFITS INC3 | 465 S 400 E STE 300 SALT LAKE CITY, UT 84111 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $230 | — | $230 | 5.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $717 | — | $717 | 35.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $648 | — | $648 | 36.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $291 | — | $291 | 16.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $150 | — | $150 | 11.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $215 | — | $215 | 19.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $362 | — | $362 | 35.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $280 | — | $280 | 30.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $315 | — | $315 | 43.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $340 | — | $340 | 48.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $237 | — | $237 | 43.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE - AMERICAN HERITAGE LIFE INSURANCE COMPANY | $55 | — | $55 | 17.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ALLSTATE-AMERICAN HERITAGE LIFE INSURANCE COMPANY | $94 | — | $94 | 44.98% |
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 | 1,035 | 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) | 1,035 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF IDAHO HEALTH SERVICE INC | 845 | $3.4M |
| Dental | BLUE CROSS OF IDAHO HEALTH SERVICE INC | 845 | $3.4M |
| Vision | BLUE CROSS OF IDAHO HEALTH SERVICE INC | 845 | $3.4M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 854 | $117K |
| Short-term disability(17 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 255 | $142K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 134 | $66K |
| Prescription drug | BLUE CROSS OF IDAHO HEALTH SERVICE INC | 845 | $3.4M |
| Other(16 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 289 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.