| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | AETNA LIFE INSURANCE COMPANY | $1.4M | — | $1.4M | 4.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $475K | $50K | $524K | 10.25% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | AETNA HEALTH OF CALIFORNIA INC | $15K | — | $15K | 3.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $2K | $37K | 17.33% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | — | $344 | $344 | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $2K | $37K | 18.83% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | — | $316 | $316 | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $2K | $38K | 21.17% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | — | $296 | $296 | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METLIFE LEGAL PLANS | $11K | $1K | $12K | 10.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC A TEXAS CORPORATION | $147 | $15 | $162 | 7.20% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS & FINANCIAL SVCS INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | SAFEGUARD HELATH PLANS, INC A CALIFORNIA CORPORATION | — | $28 | $28 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | SAFEGUARD HELATH PLANS, INC A CALIFORNIA CORPORATION | -$224 | $8 | -$216 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | SAFEGUARD HEALTH PLANS, INC A FLORIDA CORPORATION | -$3K | $558 | -$3K | — |
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 | 6,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 71 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 5,279 | $35.3M |
| Dental(6 contracts, 6 carriers) | AETNA LIFE INSURANCE COMPANY | 5,896 | $40.0M |
| Vision(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 5,896 | $40.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,896 | $5.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,896 | $5.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,896 | $5.1M |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 5,279 | $35.3M |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,896 | $5.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,896 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.