| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SERVICES INC | 437 LATHAM ST SUITE 101 RIVERSIDE, CA 92501 | BLUE OF CALIFORNIA | — | $39K | $39K | 4.96% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVS. INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | BLUE OF CALIFORNIA | — | $15K | $15K | 1.92% |
| UNITED PRODUCERS GROUP LLC3 Filed as: UNITED PRODUCERS GROUP, LLC | 1439 STUART ENGALS BLVD SUITE 300 MOUNT PLEASANT, SC 29464 | GUARDIAN | $37K | — | $37K | 9.76% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS, LLC | 354 EISENHOWER PKWY, PLAZA 1 LIVINGSTON, NJ 07039 | GUARDIAN | $10K | — | $10K | 2.57% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE OF CALIFORNIA | 208 | $781K |
| Dental | GUARDIAN | 269 | $375K |
| Vision | GUARDIAN | 269 | $375K |
| Life insurance | GUARDIAN | 269 | $375K |
| Short-term disability | GUARDIAN | 269 | $375K |
| Long-term disability | GUARDIAN | 269 | $375K |
| Prescription drug | BLUE OF CALIFORNIA | 208 | $781K |
| Other | GUARDIAN | 269 | $375K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.