| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 2000 S COLORADO BLVD STE 150 DENVER, CO 80222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $150K | $4K | $154K | 21.55% |
| NOAH OROPEZA3 Filed as: NOAH G OROPEZA | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $27K | $27K | 9.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6565 AMERICAS PKWY NW, SUITE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $10K | $22K | 7.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 580 N BANK LN LAKE FOREST, IL 60045 | DELTA DENTAL OF NEW MEXICO | $8K | — | $8K | 4.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6565 AMERICAS PKWY NE, SUITE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 18.40% |
| NOAH OROPEZA3 Filed as: NOAH G OROPEZA | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 9.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 925162158 | VISION SERVICE PLAN | $2K | — | $2K | 4.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NC 87110 | UNUM INSURANCE COMPANY | $3K | $444 | $3K | 15.89% |
| NOAH OROPEZA3 | 3505 N GINNING DR LITCHFIELD PARK, AZ 05340 | UNUM INSURANCE COMPANY | $2K | — | $2K | 8.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | UNUM INSURANCE COMPANY | $2K | $373 | $3K | 16.06% |
| NOAH OROPEZA3 | 3505 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $2K | — | $2K | 8.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | UNUM INSURANCE COMPANY | $2K | $362 | $3K | 16.24% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM INSURANCE COMPANY | $2K | — | $2K | 10.29% |
| CONNIE GARCIA4 | 3705 GENERAL STILWELL ST NE ALBUQUERQUE, NM 871113259 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $426 | — | $426 | 6.49% |
| JUDY A. JOHNSTON4 Filed as: JUDY A JOHNSTON | 1417 MARTHA ST NE ALBUQUERQUE, NM 871124362 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $242 | — | $242 | 3.69% |
| VALORIE ROMERO4 | 2625 DALLAS ST NE, APT 3 ALBUQUERQUE, NM 871103653 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $37 | — | $37 | 0.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 1.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS COMPANY EIN 59-1031071 ADMINISTRATOR | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Contract Administrator; Other services; Direct payment from the plan Service code 12 | — | $174K |
| CIGNA | Contract Administrator; Participant communication; Claims processing; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services Service code 12 | — | $0 |
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 | 312 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 224 | $715K |
| Dental | DELTA DENTAL OF NEW MEXICO | 503 | $184K |
| Vision | VISION SERVICE PLAN | 250 | $35K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $333K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $287K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $287K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $395K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 503 | — |
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.