| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL & INSURANCE | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | BLUECROSS BLUESHIELD OF TEXAS | $875K | $149 | $875K | 8.12% |
| ENDO1 PARTNERS, LLC DBA SPECIALTY0 | 1800 WEST LOOP SOUTH, SUITE 200 HOUSTON, TX 77027 | BLUECROSS BLUESHIELD OF TEXAS | $0 | $13 | $13 | 0.00% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL & INSURANCE | 3505 MT DIABLO BLVD LAFAYETTE, CA 945693813 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 2.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N. RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 925162158 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.26% |
| DUDUM FINANCIAL AND INSURANCE SERVI3 Filed as: DUDUM FINANCIAL & INSURANCE | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | KAISER FOUNDATION HEALTH PLAN, INC. | $30K | $0 | $30K | 4.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | $0 | $2K | 0.25% |
| 1925 FINANCIAL, INC.3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMP | $23K | $0 | $23K | 10.00% |
| 1925 FINANCIAL, INC.3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMP | $33K | $0 | $33K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVENUE STE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMP | $0 | $12K | $12K | 5.61% |
| 1925 FINANCIAL, INC.3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMP | $15K | $0 | $15K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVENUE STE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMP | $0 | $12K | $12K | 11.29% |
| 1925 FINANCIAL, INC.3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMP | $12K | $0 | $12K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVENUE STE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMP | $0 | $6K | $6K | 7.39% |
| 1925 FINANCIAL, INC.3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMP | $12K | $0 | $12K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVENUE STE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMP | $0 | $3K | $3K | 4.95% |
| 1925 FINANCIAL, INC.3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMP | $6K | $0 | $6K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVENUE STE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMP | $0 | $2K | $2K | 5.91% |
| 1925 FINANCIAL, INC.3 | 3505 MT DIABLO BLVD LAFAYETTE, CA 94549 | UNITED OF OMAHA LIFE INSURANCE COMP | $2K | $0 | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S. YALE AVENUE STE 1900 TULSA, OK 74136 | UNITED OF OMAHA LIFE INSURANCE COMP | $0 | $1K | $1K | 6.17% |
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 | 1,943 | 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) | 1,943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF TEXAS | 1,857 | $11.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 817 | $884K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 817 | $884K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMP | 1,921 | $119K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMP | 328 | $222K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMP | 358 | $225K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMP | 1,921 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,921 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.