| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 871108116 | BLUE CROSS AND BLUE SHIELD OF NEW MEXICO | $41K | $3K | $44K | 4.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 255387 SACRAMNENTO, CA 95865 | SYMETRA LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INS SVS, INC. | 6565 AMERICAS AVENUE, STE 720 ALBUQUERQUE, NM 87110 | UNITED CONCORDIA INSURANCE COMPANY | $8K | — | $8K | 10.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | PO BOX 2158 RIVERSIDE, CA 925162158 | VISION SERVICE PLAN | $1K | — | $1K | 5.34% |
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 | 196 | 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) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NEW MEXICO | 197 | $1.0M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 147 | $75K |
| Vision | VISION SERVICE PLAN | 147 | $22K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 196 | $108K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 196 | $108K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 196 | $108K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NEW MEXICO | 197 | $1.0M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 196 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.