| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC. | $39K | $0 | $39K | 4.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16030 VENTURA BOULEVARD SUITE 500 ENCINO, CA 91436 | UNION SECURITY INSURANCE COMPANY | $7K | $0 | $7K | 10.24% |
| LIVIER MARIA RAMIREZ3 | 1107 FAIR OAK AVENUE, SUITE 882 SOUTH PASADENA, CA 91030 | AFLAC | $1K | $0 | $1K | 5.28% |
| RENE CASTRO3 Filed as: RENE CASTRO AND OTHER AGENTS | 5460 EAST EL PARQUE STREET LONG BEACH, CA 90815 | AFLAC | $842 | $0 | $842 | 3.09% |
| EVERGREEN INSURANCE3 Filed as: EVERGREEN INSURANCE SERVICES LLC | PO BOX 20003 ENCINO, CA 91416 | AFLAC | $229 | $0 | $229 | 0.84% |
| PATRICIA GAIL LEES3 | 6055 EAST WASHINGTON BOULEVARD SUITE 210 COMMERCE, CA 90040 | AFLAC | $217 | $0 | $217 | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2393 TOWNSGATE ROAD SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $216 | $0 | $216 | 0.79% |
| HECTOR MARTINEZ3 Filed as: HECTOR C MARTINEZ | 1458 WESTERLY TERRACE LOS ANGELES, CA 90026 | AFLAC | $212 | $0 | $212 | 0.78% |
| KAREN M HUGHES3 | 3120 NE 47TH STREET FORT LAUDERDALE, FL 33308 | AFLAC | $186 | $0 | $186 | 0.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16030 VENTURA BOULEVARD SUITE 500 ENCINO, CA 91436 | UDC DENTAL OF CALIFORNIA, INC. | $1K | $0 | $1K | 9.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16030 VENTURA BOULEVARD ENCINO, CA 91436 | EYEMED VISION CARE | $963 | $0 | $963 | 9.96% |
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 | 400 | 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) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 221 | $845K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 82 | $82K |
| Vision | EYEMED VISION CARE | 143 | $10K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 82 | $70K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 82 | $70K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 82 | $70K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 221 | $845K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 400 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.