| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE BROKERS | 4350 STILL CREEEK DRIVE EL PASO, TX 79930 | CURATIVE INSURANCE COMPANY | $258K | $0 | $258K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 WEST 3RD STREET, SUITE 800 FORT WORTH, TX 76102 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $26K | $0 | $26K | 14.81% |
| D&I INTERNATIONAL PARTNERS INC3 | 449 EI CAMINO DRIVE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 3.51% |
| EDGAR IVAN MUNOZ LUNA3 | 7313 KIOWA CREEK DRIVE EL PASO, TX 79911 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $382 | $2K | 1.26% |
| DANIEL ROJAS3 Filed as: DANIEL ROJAS & OTHER AGENTS | 6680 CABANA DEL SOL EL PASO, TX 79911 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $920 | $93 | $1K | 0.57% |
| BRIANNA YEMILE REZA3 | 905 CHRICAHUA DRIVE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $604 | $0 | $604 | 0.34% |
| ANDRES LOPEZ3 | 11713 SIERRA MORENA DRIVE EL PASO, TX 79936 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $517 | $59 | $576 | 0.33% |
| SEAMAN ENTERPRISES INC3 | 924 LAS AVES PLACE EL PASO, TX 79912 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $397 | $0 | $397 | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 601 NORTH MESA, SUITE 1550 EL PASO, TX 79901 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 6.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 601 NORTH MESA STREET, SUITE 1550 EL PASO, TX 79901 | RELIANCE MATRIX | $4K | $0 | $4K | 10.00% |
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 | 468 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 469 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CURATIVE INSURANCE COMPANY | 448 | $4.3M |
| Vision | RELIANCE MATRIX | 739 | $41K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 477 | $314K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 139 | $177K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 477 | $137K |
| Prescription drug | CURATIVE INSURANCE COMPANY | 448 | $4.3M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 477 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.