| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVS | 6565 AMERICAS PKWY NE SUITE 720 ALBUQUERQUE, NM 87110 | BLUE CROSS BLUE SHIELD OF AZ 093 | — | — | $0 | 0.00% |
| 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) | — | $20K | $20K | 2.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVS | 6565 AMERICAS PKWY NE SUITE 720 ALBUQUERQUE, NM 87110 | UNUM INSURANCE CO (522) | $98K | $16K | $115K | 17.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVS | 6565 AMERICAS PKWY NE SUITE 720 ALBUQUERQUE, NM 87110 | UNUM INSURANCE COMPANY (525) | $28K | $4K | $32K | 24.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVS | 111 S TEJON ST SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM INSURANCE COMPANY (525) | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVS | 6565 AMERICAS PKWY NE SUITE 720 ALBUQUERQUE, NM 87110 | UNUM INSURANCE COMPANY (525) | — | — | $0 | 0.00% |
| JEFFREY P. GRIFFIN3 Filed as: JEFFREY P GRIFFIN | 6720 N SCOTTSDALE RD STE 310 SCOTTSDALE, AZ 85253 | UNUM INSURANCE CO (524) | $24K | $147 | $25K | 21.81% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INSURANCE SVS | 111 S TEJON ST SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM INSURANCE CO (524) | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD AZ EIN 86-0004538 | Contract Administrator Service code 13 | 8220 N 23RD AVE PHOENIX, AZ 85021 | $851K |
| AMERICAN SPECIALTY HEALTH SYS EIN 33-0938349 CHIROPRACTIC PROVIDER | Direct payment from the plan Service code 50 | 12800 N MERIDIAN ST CARMEL, IN 46032 | $12K |
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 | 2,077 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,077 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF AZ 093 | 2,074 | $1.1M |
| Dental | STARMOUNT LIFE INS CO (523) | 1,378 | $771K |
| Vision | STARMOUNT LIFE INS CO (523) | 1,378 | $771K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF AZ 093 | 2,074 | $923K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF AZ 093 | 2,074 | $923K |
| Other(3 contracts, 3 carriers) | UNUM INSURANCE CO (522) | 1,582 | $898K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,074 | — |
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.