| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L INSURANCE SERVICES, INC. | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | USABLE LIFE | $3K | — | $3K | 7.23% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | USABLE LIFE | $2K | — | $2K | 4.21% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: REGENCE BLUECROSS BLUESHIELD OF UT | 100 SW MARKET STREET M/S E12B PORTLAND, OR 97201 | USABLE LIFE | $729 | — | $729 | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L INSURANCE SERVICES, INC. | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | USABLE LIFE | $1K | — | $1K | 4.63% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | USABLE LIFE | $749 | — | $749 | 2.94% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: REGENCE BLUECROSS BLUESHIELD OF UT | 100 SW MARKET STREET M/S E12B PORTLAND, OR 97201 | USABLE LIFE | $428 | — | $428 | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L INSURANCE SERVICES, INC. | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | USABLE LIFE | $591 | — | $591 | 10.36% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | USABLE LIFE | $457 | — | $457 | 8.01% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: REGENCE BLUECROSS BLUESHIELD OF UT | 100 SW MARKET STREET M/S E12B PORTLAND, OR 97201 | USABLE LIFE | $107 | — | $107 | 1.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L INSURANCE SERVICES, INC. | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | USABLE LIFE | $116 | — | $116 | 10.27% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | USABLE LIFE | $91 | — | $91 | 8.05% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: REGENCE BLUECROSS BLUESHIELD OF UT | 100 SW MARKET STREET M/S E12B PORTLAND, OR 97201 | USABLE LIFE | $21 | — | $21 | 1.86% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | USABLE LIFE | 193 | $43K |
| Other(3 contracts) | USABLE LIFE | 193 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.