| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 6565 AMERICAS PARKWAY NE SUITE 720 ABQ, NM 87110 | PRESBYTERIAN INSURANCE INC | $32K | — | $32K | 2.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 2000 S COLORADO BLVD STE 150 DENVER, CO 80222 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 2.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | 3635 RIVERSIDE PLACE BUILDING M3 ABQ, NM 87110 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $959 | $959 | 0.24% |
| PHILIP MIMS3 | 9527 NIGHT SKY LANE NE ABQ, NM 87122 | GUARDIAN | $23K | — | $23K | 6.98% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRESBYTERIAN INSURANCE INC | 106 | $1.6M |
| Dental | GUARDIAN | 203 | $323K |
| Vision | GUARDIAN | 203 | $323K |
| Life insurance | GUARDIAN | 203 | $323K |
| Short-term disability | GUARDIAN | 203 | $323K |
| Long-term disability | GUARDIAN | 203 | $323K |
| Other | GUARDIAN | 203 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.