| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC. | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $9K | 12.10% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | PO BOX 191030 BOISE, ID 83719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | VISION SERVICE PLAN | $726 | — | $726 | 4.62% |
| MORETON & COMPANY3 Filed as: FRED A. MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | VISION SERVICE PLAN | $502 | — | $502 | 3.20% |
| MORETON & COMPANY5 Filed as: FRED A. MORETON & COMPANY | 4600 SOUTH ULSTER STREET, SUITE 380 DENVER, CO 80237 | PREMIER ACCESS INSURANCE COMPANY | $3K | — | $3K | 31.36% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3000 EXECUTIVE PARKWAY, SUITE 300 SAN RAMON, CA 94583 | PREMIER ACCESS INSURANCE COMPANY | $2K | — | $2K | 20.00% |
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 | 92 | 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) | 92 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMIER ACCESS INSURANCE COMPANY | 186 | $8K |
| Vision | VISION SERVICE PLAN | 77 | $16K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $71K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.