| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBS INSURANCE BROKERS3 | UNKNOWN NEWTON, MA 02458 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $117K | — | $117K | 4.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | UNKNOWN DEVER, CO 80222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $113K | $0 | $113K | 4.09% |
| PAUL ROONEY3 Filed as: PAUL J. ROONEY | ONE GATE WAY CENTER 300 WASHINGTON STREET, SUITE 650 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 2.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 2000 SOUTH COLORADO BOULEVARD DENVER, CO 80222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $12K | 2.05% |
| EBS INSURANCE BROKERS3 | ONE GATE WAY CENTER 300 WASHINGTON STREET, SUITE 650 NEWTON, CO 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 1.11% |
| EBS INSURANCE BROKERS3 | 300 WASHINGTON STREET, SUITE 650 NEWTON, MA 02458 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 0.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA | 2000 SOUTH COLORADO BOULEVARD SUITE 150 DENVER, CO 80222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.32% |
| PAUL ROONEY3 | ONE GATE WAY CENTER, SUITE 650 NEWTON, CA 02458 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 2.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $0 | $6K | 2.12% |
| PAUL ROONEY3 | ONE GATE WAY CENTER, SUITE 650 NEWTON, CO 02458 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 5.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 2000 SOUTH COLORADO BOULEVARD DENVER, CO 80222 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 4.14% |
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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 541 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,009 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,009 | $2.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,009 | $2.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 429 | $598K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 429 | $598K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,009 | $3.0M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 429 | $598K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,009 | — |
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.