| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERIVCES | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 9.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 200 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | UNITED CONCORDIA INSURANCE COMPANY | $7K | $283 | $7K | 11.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $760 | $0 | $760 | 7.95% |
| JUDY A JOHNSTON4 | 1417 MARTHA STREET NE ALBUQUERQUE, NM 87113 | PRE-PAID LEGAL SERVICES INC | $259 | $0 | $259 | 9.92% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL INS SERVICES INC | 7770 JEFFERSON ROAD, SUITE 101 ALBUQUERQUE, NM 87109 | PRE-PAID LEGAL SERVICES INC | $102 | $0 | $102 | 3.91% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 131 | $61K |
| Vision | VISION SERVICE PLAN | 93 | $10K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $98K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $98K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $98K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 114 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.