| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 1125 17TH STREET SUITE 900 DENVER, CO 80202 | UNITED HEALTHCARE INSURANCE COMPANY | $1 | $103K | $103K | 5.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 2375 E. CAMELBACK ROAD PHOENIX, AZ 85016 | DELTA DENTAL OF NEW MEXICO | $8K | — | $8K | 5.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 90756 ALBUQUERQUE, NM 87199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF ARIZONA | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 85016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 7770 JEFFERSON NE SUITE 200 ALBUQUERQUE, NM 87109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 7.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 844663 DALLAS, TX 752844663 | VISION SERVICE PLAN | $1K | — | $1K | 4.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 7770 JEFFERSON NE SUITE 101 ALBUQUERQUE, NM 87109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 1.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT OF CA INS SVCS INC STE 300 | 3390 UNIVERSITY AVE RIVERSIDE, CA 92501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $3 | $49 | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 7770 JEFFERSON ST NE STE 200 ALBUQUERQUE, NM 87109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 90756 ALBUQUERQUE, NM 87199 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL OF ARIZONA | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 85016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $178 | $178 | 1.95% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 345 | $1.9M |
| Dental | DELTA DENTAL OF NEW MEXICO | 405 | $145K |
| Vision | VISION SERVICE PLAN | 186 | $29K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $137K |
| Short-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $128K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $117K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.