| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | AETNA LIFE INSURANCE COMPANY | $109K | — | $109K | 4.51% |
| LLOYD S. BERKETT INSURANCE AGENCY3 Filed as: LLOYD S BERKETT INS AGENCY | 11150 W OLYMPIC BLVD, SUITE 610 LOS ANGELES, CA 90064 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | AETNA HEALTH OF CALIFORNIA INC. | $75K | — | $75K | 4.59% |
| LLOYD S. BERKETT INSURANCE AGENCY3 Filed as: LLOYD S BERKETT INS AGENCY | 11150 W OLYMPIC BLVD, SUITE 610 LOS ANGELES, CA 90064 | AETNA HEALTH OF CALIFORNIA INC. | $6K | — | $6K | 0.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 4.79% |
| LLOYD S. BERKETT INSURANCE AGENCY3 Filed as: LLOYD S BERKETT INS AGENCY | 11150 W OLYMPIC BLVD. LOS ANGELES, CA 90064 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $218 | $12K | 8.57% |
| LLOYD S. BERKETT INSURANCE AGENCY3 Filed as: LLOYD S BERKETT INS AGENCY | 11150 W OLYMPIC BLVD., SUITE 610 LOS ANGELES, CA 90064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 1.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $144 | $5K | 8.31% |
| LLOYD S. BERKETT INSURANCE AGENCY3 Filed as: LLOYD S BERKETT INS AGENCY | 11150 W OLYMPIC BLVD., SUITE 610 LOS ANGELES, CA 90064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 1.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | — | $9K | 16.58% |
| LLOYD S. BERKETT INSURANCE AGENCY3 Filed as: LLOYD S BERKETT INS AGENCY | 11150 W OLYMPIC BLVD., SUITE 610 LOS ANGELES, CA 90064 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 16.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | SUN LIFE ASSURANCE COMPANY OF CANADA | $719 | — | $719 | 1.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | VISION SERVICE PLAN | $2K | — | $2K | 3.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $937 | $60 | $997 | 8.40% |
| LLOYD S. BERKETT INSURANCE AGENCY3 Filed as: LLOYD S BERKETT INS AGENCY | 11150 W OLYMPIC BLVD., SUITE 610 LOS ANGELES, CA 90064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $249 | — | $249 | 2.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $298 | $6 | $304 | 8.55% |
| LLOYD S. BERKETT INSURANCE AGENCY3 Filed as: LLOYD S BERKETT INS AGENCY | 11150 W OLYMPIC BLVD., SUITE 610 LOS ANGELES, CA 90064 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57 | — | $57 | 1.60% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 341 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 315 | $4.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 582 | $339K |
| Vision | VISION SERVICE PLAN | 256 | $39K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 335 | $113K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $61K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $137K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 315 | $4.0M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 335 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 582 | — |
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.
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.