| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $540 | $12K | 6.16% |
| STEPHEN SAUTER3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 3.91% |
| STEPHEN H SAUTER3 | PO BOX 67246 ALBUQUERQUE, NM 87193 | UNUM LIFE INSURANCE OF AMERICA | $4K | $268 | $4K | 5.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 6565 AMERICAS PARKWAY NE SUITE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE OF AMERICA | $4K | — | $4K | 5.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 111 S TEJON ST SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE OF AMERICA | — | $2K | $2K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 6565 AMERICAS PARKWAY NE SUITE 720 ABQ, NM 87110 | UNITED CONCORDIA INSURANCE COMPANY | $3K | — | $3K | 4.16% |
| STEPHEN SAUTER3 | PO BOX 67246 ALBUQUERQUE, NM 87193 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 2.77% |
| STEPHEN H SAUTER3 | PO BOX 67246 ALBUQUERQUE, NM 87193 | UNUM LIFE INSURANCE OF AMERICA | $2K | $94 | $2K | 7.88% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INS SVCS | 6565 AMERICAS PARKWAY NE SUITE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE OF AMERICA | $2K | — | $2K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 111 S TEJON STREET SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE OF AMERICA | — | $624 | $624 | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | PO BOX 2158 RIVERSIDE, CA 925162158 | VISION SERVICE PLAN | $563 | — | $563 | 3.68% |
| STEPHEN SAUTER3 | PO BOX 67246 ALBUQUERQUE, NM 871937246 | VISION SERVICE PLAN | $375 | — | $375 | 2.45% |
| NOAH OROPEZA3 | 5305 N GINNING DR SUITE 720 LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 17.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 6565 AMERICAS PARKWAY NE SUITE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY | $977 | — | $977 | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 111 S TEJON ST SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY | — | $153 | $153 | 1.25% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 16.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 6565 AMERICAS PARKWAY NE SUITE 720 ABQ, NM 87110 | UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 8.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 111 S TEJON ST SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY | — | $159 | $159 | 1.40% |
| NOAH OROPEZA3 | 5305 N GINNING DR LITCHFIELD PARK, AZ 85340 | UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 17.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 6565 AMERICAS PARKWAY NE SUITE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY | $638 | — | $638 | 7.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SE | 111 S TEJON ST SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY | — | $100 | $100 | 1.24% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 36 | $189K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 218 | $66K |
| Vision | VISION SERVICE PLAN | 100 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE OF AMERICA | 150 | $96K |
| Short-term disability | UNUM LIFE INSURANCE OF AMERICA | 150 | $71K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 150 | $71K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 150 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.