| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 3390 UNIVERSITY AVE RIVERSIDE, CA 92501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 5.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (UT) INC | 3900 N TRAVERSE MOUNTAIN BLVD STE 301 LEHI, UT 84043 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 1.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | EQUITABLE FINANCIAL LIFEINSURANCE COMPANY | $2K | — | $2K | 11.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SVCS | 3900 N TRAVERSE MOUNTAIN BLVD STE 301 LEHI, UT 84043 | EQUITABLE FINANCIAL LIFEINSURANCE COMPANY | $667 | — | $667 | 3.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL / BRENT BENNETT | PO BOX 2158 RIVERSIDE, CA 92516 | EDUCATORS MUTUAL PLANS LIFE, ACCIDENT AND HEALTH, INC | $306 | — | $306 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COP EIN 59-1031071 CLAIMS PROCESSOR | Float revenue; Claims processing; Participant communication; Other services; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $6K |
| CIGNA | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $0 |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 93 | $287K |
| Life insurance | EQUITABLE FINANCIAL LIFEINSURANCE COMPANY | 109 | $17K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFEINSURANCE COMPANY | 128 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.