| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 1.59% |
| HUGH B DEMAREST3 Filed as: HUGH BRIAN DEMAREST | 746 EAST EUGIE AVENUE PHOENIX, AZ 85022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 1.40% |
| ANTHONY J WHITBY3 Filed as: ANTHONY JAMES WHITBY | 264 NORTH 153RD AVENUE GOODYEAR, AZ 85338 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.43% |
| MJ INSURANCE3 Filed as: MARK A. MARQUEZ AND VARIOUS AGENTS | 8611 NORTH BLACK CANYON HIGHWAY SUITE 106 PHOENIX, AZ 85021 | CONTINENTAL AMERICAN INSURANCE COMPANY | $672 | $0 | $672 | 0.14% |
| K CONSULTING LLC3 Filed as: K CONSULTING SOLUTIONS LLC | 1016 10TH WAY WEST PALM BEACH, FL 33407 | CONTINENTAL AMERICAN INSURANCE COMPANY | $564 | $0 | $564 | 0.12% |
| AUBRIE MICHELLE LANE3 | 6018 WEST POTTER DRIVE GLENDALE, AZ 85308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $563 | $0 | $563 | 0.12% |
| JASON ELIJAH ANGEL3 | 5339 WEST MOUNTAIN VIEW ROAD GLENDALE, AZ 85308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $415 | $0 | $415 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 16220 NORTH SCOTTSDALE ROAD SUITE 100 SCOTTSDALE, AZ 85254 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 1.69% |
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 | 981 | 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) | 981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 655 | $79K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 655 | $79K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 981 | $293K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 981 | $293K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 981 | $767K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 981 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.