| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | PO BOX 2158 RIVERSIDE, CA 925162158 | VISION SERVICE PLAN | $999 | — | $999 | 4.92% |
| HUB INTERNATIONAL MIDWEST LIMITED7 Filed as: HUB INTERNATIONAL INS SVCS CA | 6565 AMERICAS PKWY NE SUITE 720 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $119 | $119 | 1.57% |
| AON CONSULTING INC7 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, CA 92623 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $31 | $31 | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED7 Filed as: HUB INTERNATIONAL INS SVCS OF CALI | 6565 AMERICAS PKWY NE SUITE 720 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | — |
| AON CONSULTING INC7 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, CA 92623 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $317 | $317 | — |
| HUB INTERNATIONAL MIDWEST LIMITED7 Filed as: HUB INTERNATIONAL INS SVCS CA | 6565 AMERICAS PKWY NE SUITE 720 ALBUQUERQUE, NM 87110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $185 | $185 | — |
| AON CONSULTING INC7 Filed as: AON RISK INSURANCE SERVICES | PO BOX 19640 IRVINE, CA 92623 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $49 | $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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 177 | $1.7M |
| Dental | DELTA DENTAL OF NEW MEXICO | 190 | $121K |
| Vision | VISION SERVICE PLAN | 150 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 89 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 169 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $0 |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.