| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVS | 111 S TEJON ST SUITE 113 COLORADO SPRINGS, CO 80903 | STARMOUNT LIFE INS CO (523) | — | $16K | $16K | 2.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 150 RIVERSIDE PLAZA 17TH F CHICAGO, IL 60606 | STARMOUNT LIFE INS CO (523) | — | $1K | $1K | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVS | 6565 AMERICAS PKWY NE SUITE 720 ALBUQUERQUE, NM 87110 | UNUM INSURANCE CO (522) | $79K | — | $79K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL INSURANCE SVS | 111 S TEJON ST SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM INSURANCE CO (522) | — | $13K | $13K | 2.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVS | 6565 AMERICAS PKWY NE SUITE 720 ALBUQUERQUE, NM 87110 | UNUM INSURANCE COMPANY (525) | $24K | — | $24K | 18.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVS | 111 S TEJON ST SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM INSURANCE COMPANY (525) | — | $3K | $3K | 2.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVS | 150 N RIVERSIDE PLAZA 17TH F CHICAGO, IL 60606 | UNUM INSURANCE COMPANY (525) | — | $288 | $288 | 0.22% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE CO (524) | $21K | $68 | $21K | 18.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS CO EIN 59-1031071 INS CARRIER | Participant communication; Contract Administrator; Named fiduciary; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing Service code 12 | 1717 W CHANDLER BLVD CHANDLER, AZ 85224 | $301K |
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 | 2,035 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,035 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNUM INSURANCE COMPANY (525) | 506 | $129K |
| Dental | STARMOUNT LIFE INS CO (523) | 1,163 | $739K |
| Vision | STARMOUNT LIFE INS CO (523) | 1,163 | $739K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INS CO | 2,035 | $832K |
| Other(3 contracts, 3 carriers) | UNUM INSURANCE CO (522) | 1,557 | $764K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,035 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.