| 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, AZ 87110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $2K | $26K | 7.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 255387 SACRAMENTO, CA 95865 | SYMETRA LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6565 AMERICAS PKWY NE, SUITE 720 ALBUQUERQUE, NM 87110 | UNITED CONCORDIA INSURANCE COMPANY | $5K | — | $5K | 9.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 925162158 | VISION SERVICE PLAN | $959 | — | $959 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Named fiduciary; Other services; Non-monetary compensation; Participant communication; Claims processing; Float revenue; Contract Administrator; Direct payment from the plan Service code 12 | — | $22K |
| CIGNA | Other services; Contract Administrator; Direct payment from the plan; Claims processing; Named fiduciary; Float revenue; Participant communication; Non-monetary compensation 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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $333K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 195 | $58K |
| Vision | VISION SERVICE PLAN | 131 | $19K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 278 | $118K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 278 | $118K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 278 | $118K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 278 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.