| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | CALIFORNIA PHYSICIANS' SERVICE | $45K | — | $45K | 3.63% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC. EMPLOY. | 515 S. FLOWER ST., SUITE 3510 LOS ANGELES, CA 90071 | CALIFORNIA PHYSICIANS' SERVICE | $17K | — | $17K | 1.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN INC. | $23K | $24 | $23K | 4.19% |
| TRAPANI DICKINS & ASSOCIATES3 Filed as: TRAPANI DICKINS & ASSOC. EMPLOYEE | BENEFITS AND INS 515 S. FLOWER ST., SUITE 3510 LOS ANGELES, CA 900712203 | KAISER FOUNDATION HEALTH PLAN INC. | $7K | — | $7K | 1.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 91102 | DELTA DENTAL | $18K | — | $18K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $874 | $9K | 5.60% |
| TRAPANI DICKINS & ASSOC. EMP. BEN.3 | 515 S. FLOWER ST., SUITE 3510 LOS ANGELES, CA 90071 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $464 | $2K | 1.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 911076024 | VISION SERVICE PLAN | $762 | — | $762 | 2.69% |
| TRAPANI DICKINS & ASSOCIATES3 | 515 S. FLOWER ST., SUITE 3510 LOS ANGELES, CA 900712203 | VISION SERVICE PLAN | $592 | — | $592 | 2.09% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS' SERVICE | 125 | $1.8M |
| Dental | DELTA DENTAL | 155 | $180K |
| Vision | VISION SERVICE PLAN | 146 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $154K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $154K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $154K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 96 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.