| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES INC 3635 RIVERSIDE PLAZA DR BLDG M3 RIVERSIDE, CA 925062711 | UNITEDHEALTHCARE INSURANCE COMPANY | $226K | — | $226K | 4.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES INC 3635 RIVERSIDE PLAZA DR BLDG M3 RIVERSIDE, CA 925062711 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 10.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES INC 3635 RIVERSIDE PLAZA DR BLDG M3 RIVERSIDE, CA 92506 | UNIMERICA LIFE INSURANCE SERVICES | $24K | — | $24K | 9.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES INC 3635 RIVERSIDE PLAZA DR BLDG M3 RIVERSIDE, CA 925062711 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 9.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INC | 4371 LATHAM STREET - SUITE 101 RIVERSIDE, CA 92501 | TRUSTMARKINSURANCE COMPANY | $7K | — | $7K | 10.98% |
| RON KLEIMAN3 | 4322 RFD LONG GROVE, IL 60047 | TRUSTMARKINSURANCE COMPANY | $5K | — | $5K | 7.54% |
| BENEFIT SERVICE CENTER3 | 9500 TOPANGA CANYON BLVD CHATSWORTH, CA 91311 | TRUSTMARKINSURANCE COMPANY | $4K | — | $4K | 5.49% |
| BENEFITVISION3 | 2690 COMMERCE DRIVE - SUITE 200 HARRISBURG, PA 17110 | TRUSTMARKINSURANCE COMPANY | $437 | — | $437 | 0.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INC | 4371 LATHAM STREET - SUITE 101 RIVERSIDE, CA 92501 | TRUSTMARKINSURANCE COMPANY | $8K | — | $8K | 18.17% |
| RON KLEIMAN3 | 4322 RFD LONG GROVE, IL 60047 | TRUSTMARKINSURANCE COMPANY | $5K | — | $5K | 10.29% |
| BENEFIT SERVICE CENTER3 | 9500 TOPANGA CANYON BLVD CHATSWORTH, CA 91311 | TRUSTMARKINSURANCE COMPANY | $4K | — | $4K | 9.09% |
| BENEFITVISION3 | 2690 COMMERCE DRIVE - SUITE 200 HARRISBURG, PA 17110 | TRUSTMARKINSURANCE COMPANY | $848 | — | $848 | 1.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INC | 4371 LATHAM STREET - SUITE 101 RIVERSIDE, CA 92501 | TRUSTMARKINSURANCE COMPANY | $6K | — | $6K | 16.53% |
| RON KLEIMAN3 | 4322 RFD LONG GROVE, IL 60047 | TRUSTMARKINSURANCE COMPANY | $4K | — | $4K | 12.80% |
| BENEFIT SERVICE CENTER3 | 9500 TOPANGA CANYON BLVD CHATSWORTH, CA 91311 | TRUSTMARKINSURANCE COMPANY | $3K | — | $3K | 8.27% |
| BENEFITVISION3 | 2690 COMMERCE DRIVE - SUITE 200 HARRISBURG, PA 17110 | TRUSTMARKINSURANCE COMPANY | $612 | — | $612 | 1.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES, INC | 30601 AGOURA RD., SUITE 200 AGOURA HILLS, CA 91301 | UNITED BEHAVIORAL HEALTH DBA OPTUM | $3K | — | $3K | 18.74% |
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 | 693 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 689 | $5.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 685 | $429K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 535 | $80K |
| Life insurance(2 contracts, 2 carriers) | UNIMERICA LIFE INSURANCE SERVICES | 886 | $291K |
| Long-term disability | UNIMERICA LIFE INSURANCE SERVICES | 886 | $244K |
| Other(4 contracts, 3 carriers) | UNIMERICA LIFE INSURANCE SERVICES | 903 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
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."
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.