| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN SAUTER3 | PO BOX 67246 ABQ, NM 87193 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 2.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2000 S COLORADO BLVD DENVER, CO 80222 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 2.09% |
| AON CONSULTING INC Filed as: AON RISK SERVICES | PO BOX 67246 IRVINE, CA 92623 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.38% |
| STEPHEN SAUTER3 | PO BOX 67246 ALBUQUERQUE, NM 87193 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $240 | $4K | 5.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 6565 AMERICAS PARKWAY NE SUITE 720 ABQ, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 111 S TEJON ST CO, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.29% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | PO BOX 955909 SAINT LOUIS, MO 63195 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $695 | $73 | $768 | 1.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 6565 AMERICAS PARKWAY NE SUITE 720 ABQ, NM 87110 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 3.01% |
| STEPHEN SAUTER3 | PO BOX 67246 ALBUQUERQUE, NM 87110 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 2.79% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | PO BOX 955909 SAINT LOUIS, MO 63195 | UNITED CONCORDIA INSURANCE COMPANY | — | $770 | $770 | 1.19% |
| STEPHEN SAUTER3 | PO BOX 67246 ALBUQUERQUE, NM 87193 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $108 | $2K | 6.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 6565 AMERICAS PARKWAY NE SUITE 720 ABQ, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 6565 AMERICAS PARKWAY NE SUITE 720 ABQ, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 111 S TEJON ST COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $716 | $716 | 2.19% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | PO BOX 955909 SAINT LOUIS, MO 63195 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $604 | $50 | $654 | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $403 | — | $403 | 3.39% |
| STEPHEN SAUTER | PO BOX 67246 ABQ, NM 87193 | VISION SERVICE PLAN | $378 | — | $378 | 3.18% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | PO BOX 955909 SAINT LOUIS, MO 63195 | VISION SERVICE PLAN | $107 | — | $107 | 0.90% |
| NOAH OROPEZA | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 22.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PARKWAY NE SUITE 720 ABQ, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $416 | — | $416 | 6.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 111 S TEJON ST COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $63 | $63 | 0.92% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | PO BOX 955909 SAINT LOUIS, MO 63195 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $467 | $37 | $504 | 11.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 6565 AMERICAS PARKWAY NE SUITE 720 ABQ, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 1.07% |
| STEPHEN SAUTER3 | PO BOX 67246 SUITE 720 ABQ, NM 87193 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 1.07% |
| NOAH OROPEZA | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $367 | — | $367 | 8.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 6565 AMERICAS PARKWAY NE SUITE 720 ABQ, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $250 | — | $250 | 5.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 111 S TEJON ST COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $37 | $37 | 0.85% |
| NOAH OROPEZA3 | 5305 N GINNING DR 14A LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $471 | — | $471 | 16.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 6565 AMERICAS PARKWAY NE SUITE 720 ABQ, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $177 | — | $177 | 6.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 111 S TEJON ST COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $26 | $26 | 0.92% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 50 | $315K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 212 | $65K |
| Vision | VISION SERVICE PLAN | 0 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $102K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $73K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $70K |
| Other(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 155 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.