| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 601 NORTH MESA, SUITE 1550 EL PASO, TX 79901 | DEARBORN LIFE INSURANCE COMPANY | $20K | $3K | $23K | 10.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $20K | $29K | $49K | 24.61% |
| BIENVIVIR SENIOR HEALTH SERVICES3 | 2300 MCKINLEY AVENUE EL PASO, TX 79930 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $22 | $22 | 0.01% |
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 | 617 | 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) | 617 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 617 | $197K |
| Dental | BLUECROSS BLUESHIELD OF TEXAS | 617 | $197K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 465 | $221K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 465 | $221K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 465 | $221K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 617 | $197K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 617 | $418K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 617 | — |
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.