| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | PRESBYTERIAN HEALTH PLAN INC | $44K | — | $44K | 1.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | PRESBYTERIAN INSURANCE INC | $15K | — | $15K | 2.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 2375 E CAMELBACK RD SUITE 250 PHOENIX, AZ 85016 | DELTA DENTAL OF NEW MEXICO | $8K | — | $8K | 8.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 1125 17TH ST STE 900 DENVER, CO 88202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 9.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 1125 17TH ST STE 900 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 14.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 1125 17TH ST STE 900 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 14.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 1125 17TH ST STE 900 DENVER, CO 80202 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCES | 7770 JEFFERSON ST NE STE 101 ALBUQUERQUE, NM 87109 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 19.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF NEW MEXICO EIN 85-0224562 CONTRACT ADMIN | Claims processing Service code 12 | — | $11K |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRESBYTERIAN HEALTH PLAN INC | 61 | $3.1M |
| Dental | DELTA DENTAL OF NEW MEXICO | 208 | $93K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $52K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $18K |
| Other(3 contracts, 3 carriers) | PRESBYTERIAN HEALTHCARE SERVICES DBA THE SOLUTIONS GROUP | 136 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.