| 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 | $65K | $0 | $65K | 4.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 1.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | $0 | $278 | 8.83% |
| KRISTA K PRICE3 Filed as: KRISTA K. PRICE | 3864 SOUTH QUINCE STREET DENVER, CO 80237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $112 | $0 | $112 | 3.56% |
| ELIZABETH B FINEBERG3 Filed as: ELIZABETH B. FINEBERG | 549 WAGON BEND ROAD BERTHOUD, CO 80513 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16 | $0 | $16 | 0.51% |
| CLINTON CHARLES ZELEZ3 Filed as: CLINTON C. ZELEZ | 6986 WEST QUAIL AVENUE GLENDALE, AZ 85308 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.44% |
| JEFF KLEINMAN3 | 33202 NORTH 46TH WAY CAVE CREEK, AZ 85331 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.10% |
| SCOTT ROBERT STORJOHANN3 Filed as: SCOTT R. STORJOHANN | 10110 EATON STREET WESTMINSTER, CO 80020 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.06% |
| LARRY W NICHOLSON3 Filed as: LARRY NICHOLSON | 1331 WEST MOREHEAD STREET SUITE 115 CHARLOTTE, NC 28208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.06% |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.4M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.4M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.4M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.4M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 239 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.