| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $0 | $31K | 3.15% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE GREENWOOD VILLAGE, CO 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $0 | $16K | 1.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.44% |
| USI INSURANCE SERVICES LLC3 | 5990 GREENWOOD PLAZA BOULEVARD SUITE 250 GREENWOOD VILLAGE, CA 80111 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 200 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 08022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 7.33% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 3.74% |
| MESIROW INSURANCE SERVICES INC3 | 321 NORTH CHICAGO STREET CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$575 | $0 | -$575 | -1.14% |
| KRISTA K PRICE3 Filed as: KRISTA K. PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 8.88% |
| USI INSURANCE SERVICES LLC3 | 6501 SOUTH FIDDLERS GREEN CIRCLE SUITE 100 GREENWOOD VILLAGE, CO 80111 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $333 | $0 | $333 | 1.50% |
| CLINTON CHARLES ZELEZ3 Filed as: CLINTON C. ZELEZ | 6986 WEST QUAIL AVENUE GLENDALE, AZ 85308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150 | $0 | $150 | 0.67% |
| ELIZABETH B FINEBERG3 Filed as: ELIZABETH B. FINEBERG | 549 WAGON BEND ROAD BERTHOUD, CO 80513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $95 | $0 | $95 | 0.43% |
| MJ INSURANCE3 Filed as: SCOTT STORJOHANN & VARIOUS AGENTS | 10110 EATON STREET WESTMINSTER, CO 80020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | $0 | $45 | 0.20% |
| JEFF KLEINMAN3 | 33202 NORTH 46TH WAY CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28 | $0 | $28 | 0.13% |
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 | 165 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 98 | $50K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.0M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.0M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.0M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 201 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.