| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3635 RIVERSIDE PLAZA DRIVE BUILDING M3 RIVERSIDE, CA 92506 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $38K | — | $38K | 13.11% |
| BENEFITVISION3 | 2690 COMMERCE DRIVE, SUITE 200 HARRISBURG, PA 17110 | TRUSTMARK INSURANCE COMPANY | $36K | — | $36K | 48.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | TRUSTMARK INSURANCE COMPANY | $20K | — | $20K | 26.66% |
| BENEFIT SERVICE CENTER3 Filed as: BENEFIT SERVICE CENTER, INC. | 9500 TOPANGA CANYON BOULEVARD CHATSWORTH, CA 91311 | TRUSTMARK INSURANCE COMPANY | $10K | — | $10K | 13.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS.SVCES., INC. | 3635 RIVERSIDE PLAZA DRIVE BUILDING M3 RIVERSIDE, CA 92506 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 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 | 803 | 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) | 804 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,104 | $292K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,104 | $292K |
| Life insurance(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 803 | $107K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 803 | $33K |
| Other(2 contracts, 2 carriers) | TRUSTMARK INSURANCE COMPANY | 803 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,104 | — |
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.