| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | 3390 UNIVERSITY AVE., STE 300 RIVERSIDE, CA 92501 | BLUE OF CALIFORNIA | $158K | $20K | $178K | 5.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, 14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE CO | $251K | — | $251K | 9.78% |
| EMPYREAN INSURANCE SERVICES, INC.3 | 9009 WEST LOOP S., STE 600 HOUSTON, TX 77096 | RELIASTAR LIFE INSURANCE CO | — | $77K | $77K | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD, FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE CO | $99K | $55 | $99K | 4.99% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES INC | PO BOX 2569 BELLAIRE, TX 77402 | METROPOLITAN LIFE INSURANCE CO | — | $50K | $50K | 2.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 WEST MADISON 4TH FL BANK OF AMER CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE CO | — | $33K | $33K | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATINAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | KAISER FOUNDATION HEALTH PLAN INC | $36K | — | $36K | 5.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | KAISER FOUNDATION HEALTH PLAN INC. | $36K | — | $36K | 5.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | KAISER FOUNDATION HEALTH PLAN OF HAWAII | $9K | — | $9K | 3.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | GUARDIAN | $17K | $3K | $20K | 11.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | EYEMED | $2K | — | $2K | 9.10% |
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 | 4,975 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,975 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | BLUE OF CALIFORNIA | 416 | $4.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE CO | 5,884 | $2.2M |
| Vision(2 contracts) | EYEMED | 5,027 | $296K |
| Life insurance(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE CO | 4,975 | $2.7M |
| Short-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE CO | 4,975 | $2.7M |
| Long-term disability(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE CO | 4,975 | $2.7M |
| Prescription drug | BLUE OF CALIFORNIA | 416 | $3.2M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE CO | 4,975 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,884 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.