| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3635 RIVERSIDE PLAZA DRIVE BUILDING M3, SUITE 320 RIVERSIDE, CA 92506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 2.02% |
| RUMBAUGH ONE INSURANCE SOLUTIONS3 Filed as: RUMBAUGH ONE INS SOLUTIONS, INC. | 1079 SUNRISE AVENUE SUITE B, BOX 305 ROSEVILLE, CA 95661 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 19.71% |
| IMAGE FINANCIAL & INSURANCE SERV3 Filed as: IMAGE FINANCIAL INS SVS OF N CA | 219 E BLITHEDAL EAST AVENUE SUITE 1 MILL VALLEY, CA 94941 | CONTINENTAL AMERICAN INSURANCE COMPANY | $603 | $0 | $603 | 2.06% |
| MJ INSURANCE3 Filed as: PETER J SARANTIS AND VARIOUS AGENTS | 602 ROBINSON DRIVE ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $521 | $0 | $521 | 1.78% |
| JOHN HOFFMAN3 | 2312 CATHAY WAY SACRAMENTO, CA 95861 | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | $0 | $239 | 0.82% |
| ANDREW N LUCCOCK3 | PO BOX 1965 WILSONVILLE, OR 97070 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.16% |
| LISA M HUTCHERSON3 | 193 BLUE RAVINE ROAD SUITE 140 FOLSOM, CA 95630 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.04% |
| ROBERT PILKENTON3 | 1100 CORPORATE WAY SUITE 100 SACRAMENTO, CA 95831 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | $0 | $11 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 16253 COLLECTION CENTER CHICAGO, IL 60693 | CLAREMONT EAP | $639 | $0 | $639 | 5.26% |
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 | 374 | 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) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 374 | $254K |
| Short-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 374 | $283K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 374 | $254K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 325 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.