| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 580 N BANK LN LAKE FOREST, IL 60045 | DELTA DENTAL OF NEW MEXICO | $2K | — | $2K | 4.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 925162158 | VISION SERVICE PLAN | $288 | — | $288 | 2.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $239 | — | $239 | 10.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 7770 JEFFERSON ST NE STE 200 ALBUQUERQUE, NM 87109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $150 | $150 | 6.29% |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 97 | $794K |
| Dental | DELTA DENTAL OF NEW MEXICO | 103 | $39K |
| Vision | VISION SERVICE PLAN | 61 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $2K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF NEW MEXICO | 97 | $794K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
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.