| 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 | $21K | $2K | $24K | 9.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 6565 AMERICAS PKWY NE SUITE 720 ALBUQUERQUE, NM 87110 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.30% |
| 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 | $2K | $6K | 15.40% |
| 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 | $1K | $3K | 16.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 925162158 | VISION SERVICE PLAN | $783 | — | $783 | 5.51% |
| 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 | $1K | $450 | $2K | 21.02% |
| 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 | $664 | $505 | $1K | 17.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Participant communication; Contract Administrator; Other services; Claims processing; Named fiduciary; Float revenue; Direct payment from the plan; Non-monetary compensation Service code 12 | — | $105K |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 116 | $240K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 171 | $50K |
| Vision | VISION SERVICE PLAN | 105 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $26K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $36K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 217 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.