| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 7770 JEFFERSON NE SUITE 200 ALBUQUERQUE, NM 87109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $49K | — | $49K | 9.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 2375 E CAMELBACK RD PHOENIX, AZ 85016 | DELTA DENTAL OF NEW MEXICO INC. | $8K | — | $8K | 5.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVC | 7770 JEFFERSON NE SUITE 200 ALBUQUERQUE, NM 87109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVC | 7770 JEFFERSON NE SUITE 200 ALBUQUERQUE, NM 87109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $582 | $5K | 10.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVC | 7770 JEFFERSON NE SUITE 200 ALBUQUERQUE, NM 87109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $456 | $3K | 9.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | PO BOX 844663 DALLAS, TX 752844663 | VISION SERVICE PLAN | $1K | — | $1K | 5.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVC | 7770 JEFFERSON NE SUITE 200 ALBUQUERQUE, NM 87109 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $418 | $55 | $473 | 11.32% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 223 | $514K |
| Dental | DELTA DENTAL OF NEW MEXICO INC. | 291 | $145K |
| Vision | VISION SERVICE PLAN | 165 | $21K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $80K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 99 | $48K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 186 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.