| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | PRESBYTERIAN INSURANCE INC | $50K | — | $50K | 4.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 580 N BANK LN STE 101 LAKE FOREST, IL 60045 | DELTA DENTAL OF NEW MEXICO | $6K | — | $6K | 5.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 925162158 | THE LINCOLN LIFE INSURANCE COMPANY | $16K | $2K | $19K | 17.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 925162158 | THE LINCOLN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 6.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 925162158 | THE LINCOLN LIFE INSURANCE COMPANY | $5K | $585 | $6K | 22.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 925162158 | THE LINCOLN LIFE INSURANCE COMPANY | $2K | $245 | $2K | 17.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 925162158 | THE LINCOLN LIFE INSURANCE COMPANY | $352 | $36 | $388 | 22.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF NEW MEXICO EIN 85-0224562 CONTRACT ADMIN | Claims processing Service code 12 | — | $10K |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN INSURANCE INC | 255 | $1.2M |
| Dental | DELTA DENTAL OF NEW MEXICO | 242 | $117K |
| Life insurance(3 contracts) | THE LINCOLN LIFE INSURANCE COMPANY | 118 | $107K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 118 | $109K |
| Other(3 contracts) | THE LINCOLN LIFE INSURANCE COMPANY | 118 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.