| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB ITERNATIONAL INS SERVICES INC | 600 CORPORATE POINTEE CULVER CITY, CA 90230 | AETNA HEALTH, INC. | $160K | $0 | $160K | 4.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB ITERNATIONAL INS SERVICES INC | 600 CORPORATE POINTEE CULVER CITY, CA 90230 | AETNA LIFE INSURANCE COMPANY | $65K | $13K | $78K | 7.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUN INTERNATIONAL OF CA INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | $0 | $23K | 11.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR, SUITE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 1.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $497 | $4K | 12.07% |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 774 | $4.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 774 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 774 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $204K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $204K |
| Prescription drug(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 774 | $4.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 774 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.