| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | AETNA HEALTH, INC. | $48K | $3K | $51K | 5.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 10 SAN DIEGO, CA 92121 | AETNA HEALTH, INC. | $10K | — | $10K | 1.06% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $25K | $177 | $25K | 4.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 1.06% |
| ACRISURE LLC3 Filed as: ORION RISK MGMT INS SCVS INC | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC | $9K | — | $9K | 3.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | KAISER FOUNDATION HEALTH PLAN INC | $4K | $1 | $4K | 1.66% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | — | $16K | 7.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.01% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 9500 KOGER AVE. ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $444 | — | $444 | 11.74% |
| BENEFITS AMERICA INSURANCE SERVICES3 | 1800 QUAIL STREET, SUITE 110 NEWPORT BEACH, CA 92660 | METLIFE LEGAL PLANS | $378 | — | $378 | 9.99% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC. | P.O. BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | — | $190 | $190 | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | METLIFE LEGAL PLANS | $332 | — | $332 | 10.02% |
| ACRISURE LLC3 Filed as: ORION RISK MGMT INS SCVS INC | 1 SOUTH FAIR OAKS AVENUE PASADENA, CA 91105 | METLIFE LEGAL PLANS | $73 | — | $73 | 2.20% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 304 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 188 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 300 | $206K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 300 | $206K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 300 | $206K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 300 | $206K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 300 | $206K |
| Prescription drug(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 188 | $1.7M |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 300 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.