| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - TRUDY DANE | PO BOX 5099 TWIN FALLS, ID 83303 | REGENCE BLUESHIELD OF IDAHO | $17K | $690 | $17K | 1.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - TONI L PRICE | PO BOX 5099 TWIN FALLS, ID 83303 | REGENCE BLUESHIELD OF IDAHO | $17K | $690 | $17K | 1.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - TWIN FALLS | PO BOX 2158 RIVERSIDE, CA 92516 | NATIONWIDE LIFE INSURANCE COMPANY | $8K | — | $8K | 10.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | PO BOX 2158 RIVERSIDE, CA 92516 | USABLE LIFE | $1K | — | $1K | 8.08% |
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 | 277 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD OF IDAHO | 93 | $1.1M |
| Dental | NATIONWIDE LIFE INSURANCE COMPANY | 133 | $77K |
| Vision | NATIONWIDE LIFE INSURANCE COMPANY | 133 | $77K |
| Life insurance | USABLE LIFE | 277 | $18K |
| Other | USABLE LIFE | 277 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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."
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.