| 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. | $48K | $2K | $50K | 5.64% |
| 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 | 10.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC | PO BOX 2158 RIVERSIDE, CA 92516 | UNION SECURITY INSURANCE COMPANY | $0 | $141 | $141 | 0.20% |
| GNE EVERGREEN INS. SVCS. LLC3 | AND VARIOUS AGENTS PO BOX 20003 ENCINO, CA 90026 | AFLAC | $1K | $0 | $1K | 5.15% |
| LIVIER MARIA RAMIREZ3 | 1107 FAIR OAKS AVENUE UNIT 882 SOUTH PASADENA, CA 91030 | AFLAC | $918 | $0 | $918 | 4.04% |
| PATRICIA GAIL LEES3 | 6055 EAST WASHINGTON BOULEVARD SUITE 210 COMMERCE, CA 90040 | AFLAC | $844 | $0 | $844 | 3.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC | 2393 TOWNSGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $562 | $0 | $562 | 2.48% |
| JORGE LIMON3 Filed as: JORGE O. LIMON | 8213 SUMMERFIELD AVENUE WHITTIER, CA 90606 | AFLAC | $295 | $0 | $295 | 1.30% |
| DAVID J REESOR3 Filed as: DAVID J. REESOR | 2220 EST ROUTE 66, SUITE 215 GLENDORA, CA 91740 | AFLAC | $232 | $0 | $232 | 1.02% |
| LINDA M NAPOLI3 Filed as: LINDA M. NAPOLI | 5335 YARMOUTH AVENUE APARTMENT 106 ENCINO, CA 91316 | AFLAC | $202 | $0 | $202 | 0.89% |
| 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 | 9.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC | 16030 VENTURA BOULEVARD ENCINO, CA 91436 | EYEMED VISION CARE | $1K | $0 | $1K | 8.46% |
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. | 225 | $892K |
| Dental(2 contracts, 2 carriers) | UNION SECURITY INSURANCE COMPANY | 87 | $85K |
| Vision | EYEMED VISION CARE | 158 | $13K |
| Life insurance | UNION SECURITY INSURANCE COMPANY | 87 | $71K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 87 | $71K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 87 | $71K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 225 | $892K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 400 | $100K |
| 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.