| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 600 CORPORATE POINTE, SUITE 600 CULVER CITY, CA 90230 | UNITED HEALTHCARE INSURANCE COMPANY | $253K | — | $253K | 3.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 600 CORPORATE POINTE, SUITE 600 CULVER CITY, CA 90230 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $8K | $12K | 3.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 600 CORPORATE POINTE, SUITE 600 CULVER CITY, CA 90230 | MEDIEXCEL HEALTH PLAN | $5K | — | $5K | 5.10% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS, LL | 9370 SKY PARK COURT, SUITE 250 SAN DIEGO, CA 92123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $377 | $15K | 17.81% |
| WARD FINANCIAL SERVICES INC3 | 4500 FT JACKSON BLVD, 3RD FL COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $143 | $2K | 1.97% |
| SYNERGY ENROLLMENT AND BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 9370 SKY PARK CT, SUITE 250 SAN DIEGO, CA 92123 | UNUM INSURANCE COMPANY | $8K | $133 | $8K | 15.24% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3,295 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,934 | $6.5M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,934 | $6.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,934 | $6.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,360 | $295K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,360 | $295K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,934 | $6.5M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,360 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,360 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.