| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | UNITED HEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 2.61% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: NEWFRONT INSURANCE SVCS LLC | 450 SANSOME ST, SUITE 300 SAN FRANCISCO, CA 94111 | UNITED HEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 2.56% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.03% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCSD INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 2.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $1 | $5K | 1.87% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCSD INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 7.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $47 | $3K | 2.59% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INS SVCS | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | METROPOLITAN LIFE INSURANCE COMPANY | $330 | — | $330 | 0.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $5K | 12.00% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCSD INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $892 | $4K | 9.83% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCSD INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.20% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCSD INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | UNUM INSURANCE COMPANY | $2K | — | $2K | 13.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | UNUM INSURANCE COMPANY | $64 | $13 | $77 | 0.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $984 | $328 | $1K | 10.18% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCSD INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 8.96% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCSD INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | UNUM INSURANCE COMPANY | $727 | — | $727 | 7.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | UNUM INSURANCE COMPANY | $551 | $111 | $662 | 6.95% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCSD INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | UNUM INSURANCE COMPANY | $1K | — | $1K | 12.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | UNUM INSURANCE COMPANY | $37 | $7 | $44 | 0.53% |
| ABD INS. AND FINANCIAL SVCS., INC.3 Filed as: ABD INS AND FINANCIAL SVCSD INC | 777 MARINERS ISLAND BLVD STE 250 SAN MATEO, CA 94404 | SAFEGUARD HEALTH PLANS INC | $266 | — | $266 | 7.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 9855 SCRANTON ROAD, SUITE 100 SAN DIEGO, CA 92121 | SAFEGUARD HEALTH PLANS INC | $80 | — | $80 | 2.33% |
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 | 334 | 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) | 337 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $1.3M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $119K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 338 | $115K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $51K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 61 | $36K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $38K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 298 | $1.3M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.