| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | PRESBYTERIAN INSURANCE COMPANY INC | $39K | — | $39K | 2.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | DELTA DENTAL OF NEW MEXICO | $8K | — | $8K | 5.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | THE LINCOLN LIFE INSURANCE COMPANY | $27K | $1K | $28K | 20.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | THE LINCOLN LIFE INSURANCE COMPANY | $15K | $572 | $15K | 20.78% |
| MANUEL LUJAN INSURANCE INC.3 Filed as: MANUEL LUJAN INSURANCE | — | CONTINENTAL CASUALTY COMPANY | $7K | — | $7K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | THE LINCOLN LIFE INSURANCE COMPANY | $6K | $238 | $7K | 20.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | $91 | $3K | 20.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | THE LINCOLN LIFE INSURANCE COMPANY | $417 | $17 | $434 | 20.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF NEW MEXICO EIN 85-0224562 CONTRACT ADMIN | Claims processing Service code 12 | — | $7K |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN INSURANCE COMPANY INC | 137 | $1.4M |
| Dental | DELTA DENTAL OF NEW MEXICO | 293 | $154K |
| Life insurance(2 contracts) | THE LINCOLN LIFE INSURANCE COMPANY | 141 | $106K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 141 | $136K |
| Other(4 contracts, 2 carriers) | THE LINCOLN LIFE INSURANCE COMPANY | 141 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.