| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | SELECTHEALTH | $41K | — | $41K | 0.63% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR., STE 1200 IRVINE, CA 92612 | SELECTHEALTH | $18K | — | $18K | 0.28% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRIVNE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $50K | $71K | 7.70% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $25K | $36K | 4.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 1.74% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $21K | $30K | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 1.75% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $14K | $21K | 4.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 1.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $27K | — | $27K | 7.44% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR., STE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $292 | $292 | 0.13% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DRIVE, SUITE 1200 IRVINE, CA 92612 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $4K | $12K | 6.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 5.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD FLOOR 14 CHICAGO, CA 60604 | SELECTHEALTH | $2K | — | $2K | 1.06% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR., STE 1200 IRVINE, CA 92612 | SELECTHEALTH | $56 | — | $56 | 0.03% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 2211 MICHELSON DR SUITE 1200 IRVINE, CA 92612 | METLIFE LEGAL PLANS | $4K | — | $4K | 6.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | METLIFE LEGAL PLANS | $703 | $88 | $791 | 1.23% |
| BURNHAM BENEFITS INSURANCE SERVICES3 | 4040 CIVIC CENTER DRIVE SUITE 200 SAN RAFAEL, CA 94903 | METLIFE LEGAL PLANS | — | $587 | $587 | 0.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | METLIFE LEGAL PLANS | — | $204 | $204 | 0.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | PO BOX 745841 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | — | $113 | $113 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL CHICAGO, IL 606044139 | NATIONAL UNION FIRE INC. CO. OF PITTSBURGH, PA | $428 | — | $428 | 15.01% |
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 | 5,803 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 67 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,870 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | SELECTHEALTH | 987 | $6.6M |
| Vision | VISION SERVICE PLAN | 2,577 | $362K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,350 | $861K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,902 | $705K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,350 | $469K |
| Stop-loss / reinsurancereinsurance | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICES, INC. | 5,031 | $2.7M |
| Other(8 contracts, 5 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,252 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,252 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.