| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 6565 AMERICAS PARKWAY NE, SUITE 720 ALBUQUERQUE, NM 87110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $16K | $33K | 13.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 580 NORTH BANK LANE LAKE FOREST, IL 60045 | DELTA DENTAL OF NEW MEXICO | $10K | $0 | $10K | 5.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 6565 AMERICAS PARKWAY NE, SUITE 720 ALBUQUERQUE, NM 87110 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.06% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL LIMITE | 300 NORTH LA SALLE DRIVE CHICAGO, IL 60654 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $738 | $0 | $738 | 13.49% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW MEXICO | 398 | $185K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $243K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $243K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $243K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 247 | $258K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.