| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | PO BOX 844663 DALLAS, TX 752844663 | VISION SERVICE PLAN | $2K | — | $2K | 4.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 7770 JEFFERSON ST NE SUITE 101 ALBUQUERQUE, NM 87109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $283 | — | $283 | 1.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 7770 JEFFERSON ST NE SUITE 101 ALBUQUERQUE, NM 87109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 4.14% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 417 | $2.1M |
| Dental | DELTA DENTAL OF NEW MEXICO | 484 | $189K |
| Vision | VISION SERVICE PLAN | 141 | $38K |
| Life insurance | STANDARD INSURANCE COMPANY | 212 | $169K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 63 | $18K |
| Long-term disability | STANDARD INSURANCE COMPANY | 226 | $96K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 98 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.