| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | UNITED HEALTHCARE INSURANCE COMPANY | $327K | $26K | $353K | 4.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED HEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $8K | $11K | 3.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | MEDIEXCEL HEALTH PLAN | $6K | — | $6K | 6.64% |
| SYNERGY ENROLLMENT & BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFITS, LL | 3550 CAMINO DEL RIO STE 207 SAN DIEGO, CA 92108 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $9 | $16K | 19.88% |
| WARD FINANCIAL SERVICES INC3 | 4500 FT JACKSON BLVD, 3RD FL COLUMBIA, SC 29209 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $236 | — | $236 | 0.30% |
| SYNERGY ENROLLMENT & BENEFITS LLC3 Filed as: SYNERGY ENROLLMENT AND BENEFIT | 3550 CAMINO DEL RIO STE 207 SAN DIEGO, CA 92108 | UNUM INSURANCE COMPANY | $7K | — | $7K | 15.00% |
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 | 3,542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,003 | $8.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 3,003 | $8.3M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,003 | $8.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,530 | $285K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,530 | $285K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,003 | $8.3M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,530 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,530 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.