| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | DELTA DENTAL OF CALIFORNIA | $65K | — | $65K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | $2K | $24K | 11.66% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 1.85% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $556 | $13K | 11.26% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.82% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $820 | $820 | 0.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $475 | $17K | 16.60% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 1.82% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $731 | $731 | 0.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $8K | — | $8K | 9.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $943 | $12K | 20.14% |
| LIAZON BENEFITS INC5 Filed as: LIAZON CORPORATION | 199 SCOTT STREET BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$1K | -$1K | -2.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $520 | $65 | $585 | 12.12% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 3 PARKWAY NORTH DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $81 | $81 | 1.68% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BECHWOOD, OH 44122 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$792 | $826 | $34 | 0.70% |
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 | 1,904 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,908 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 228 | $59K |
| Dental | DELTA DENTAL OF CALIFORNIA | 853 | $646K |
| Vision | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 733 | $86K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,904 | $206K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 310 | $115K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $102K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,904 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,904 | — |
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.