| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | $2K | $41K | 9.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 3135 ALBUQUERQUE, NM 871903135 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 9.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 21.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 925162158 | VISION SERVICE PLAN | $1K | — | $1K | 5.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $449 | $3K | 18.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $500 | $2K | 19.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 6565 AMERICAS PKWY NE STE 720 ALBUQUERQUE, NM 87110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $999 | $560 | $2K | 23.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. COMPANY EIN 59-1031071 NONE | Contract Administrator; Non-monetary compensation; Claims processing; Participant communication; Float revenue; Direct payment from the plan; Other services Service code 12 | — | $44K |
| CIGNA | Float revenue; Direct payment from the plan; Participant communication; Non-monetary compensation; Other services; Contract Administrator; Claims processing Service code 12 | — | $0 |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 100 | $433K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 119 | $105K |
| Vision | VISION SERVICE PLAN | 106 | $18K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 21 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $7K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 293 | $37K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.