| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 85016 | PRESBYTERIAN HEALTH PLAN, INC. | $32K | — | $32K | 4.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 7770 JEFFERSON NE STE 101 ALBUQUERQUE, NM 87109 | PRESBYTERIAN INSURANCE COMPANY INC | $20K | — | $20K | 8.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 2375 E CAMELBACK RD PHOENIX, AZ 85016 | DELTA DENTAL OF NEW MEXICO, INC. | $8K | — | $8K | 8.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 1125 17TH ST STE 900 DENVER, CO 802022022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 1125 17TH ST STE 900 DENVER, CO 802022022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 1125 17TH ST STE 900 DENVER, CO 802022022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 1125 17TH STREET SUITE 900 DENVER, CO 802022022 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 7770 JEFFERSON NE SUITE 200 ALBUQUERQUE, NM 87109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 21.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 111 S. TEJON STREET SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $15 | $15 | 0.09% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRESBYTERIAN HEALTH PLAN, INC. | 142 | $1.0M |
| Dental | DELTA DENTAL OF NEW MEXICO, INC. | 210 | $103K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $50K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $37K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $19K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 141 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.