| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 6565 AMERICAS PKWY NE SUITE 720 ALBUQUERQUE, NM 87110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $49K | $49K | 2.89% |
| AON CONSULTING INC3 Filed as: AON RISK SOLUTIONS | 6501 AMERICAS PARKWAY NE SUITE 650 ALBUQUERQUE, NM 87110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 580 N BANK LN LAKE FOREST, IL 60045 | DELTA DENTAL OF NEW MEXICO | $4K | — | $4K | 4.12% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS WEST, INC | 6501 AMERICAS PKWY NE ALBUQUERQUE, NM 87110 | DELTA DENTAL OF NEW MEXICO | $726 | — | $726 | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | PO BOX 2158 RIVERSIDE, CA 925162158 | VISION SERVICE PLAN | $538 | — | $538 | 3.33% |
| AON CONSULTING INC3 Filed as: AON RISK INSURANCE SVCS WEST, INC. | PO BOX 955909 SAINT LOUIS, MO 63195 | VISION SERVICE PLAN | $266 | — | $266 | 1.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.23% |
| AON CONSULTING INC3 Filed as: AON RISK SVCS ALBUQUERQUE | 75 REMITTANCE DR STE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $159 | $13 | $172 | 1.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 111 S TEJON ST STE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $166 | $166 | 1.27% |
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 | 193 | 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) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 202 | $1.7M |
| Dental | DELTA DENTAL OF NEW MEXICO | 269 | $93K |
| Vision | VISION SERVICE PLAN | 151 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $13K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 193 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.