| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | CALIFORNIA PHYSICIANS' SERVICE | — | $97K | $97K | 5.26% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SERVICES | 1600 W. HILLSDALE BLVD. SUITE 201 SAN MATEO, CA 94402 | CALIFORNIA PHYSICIANS' SERVICE | $32K | — | $32K | 1.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | PRINCIPAL LIFE INSURANCE COMPANY | $56K | $548 | $56K | 13.01% |
| ALTERITY BROKERS SOLUTIONS INC3 Filed as: ALTERITY BROKERS SOLUTIONS INC. | 8777 N. GAINEY CENTER DRIVE SUITE 26 SCOTTSDALE, AZ 85258 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | — | $20K | 4.55% |
| RIPPLING INSURANCE SERVICES INC3 Filed as: RIPPLING INSURANCE SERVICES INC. | 300 S. DUVAL STREET SUITE 410 TALLAHASSEE, FL 32301 | PRINCIPAL LIFE INSURANCE COMPANY | -$16 | — | -$16 | -0.00% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 393 | $1.8M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $432K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $432K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $432K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $432K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $432K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 393 | $1.8M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
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.