| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS. | PO BOX 255387 SACRAMENTO, CA 95865 | KAISER FOUNDATION HEALTH PLAN INC | $37K | $0 | $37K | 2.42% |
| INTEGRATED BENEFITS & INS SERV INC3 Filed as: INTEGRATED BENEFITS AND INS. SVCS. | 1831 IRON POINT ROAD, SUITE 100 FOLSOM, CA 95630 | KAISER FOUNDATION HEALTH PLAN INC | $36K | $0 | $36K | 2.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3636 AMERICAN RIVER DRIVE SUITE 200 SACRAMENTO, CA 95864 | SUTTER HEALTH PLAN | $30K | $0 | $30K | 2.77% |
| INTEGRATED BENEFITS & INS SERV INC3 Filed as: INTEGRATED BENEFITS INSURANCE SVCS. | 1831 IRON POINT ROAD, SUITE 100 FOLSOM, CA 95630 | SUTTER HEALTH PLAN | $24K | $0 | $24K | 2.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | WESTERN HEALTH ADVANTAGE | $27K | $0 | $27K | 2.61% |
| INTEGRATED BENEFITS & INS SERV INC3 Filed as: INTEGRATED BENEFITS AND INS. SVCS. | 1831 IRON POINT ROAD, SUITE 100 FOLSOM, CA 95630 | WESTERN HEALTH ADVANTAGE | $22K | $0 | $22K | 2.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 7.22% |
| INTEGRATED BENEFITS & INS SERV INC3 Filed as: INTEGRATED BENEFITS AND INSURANCE | 1831 IRON POINT ROAD, SUIT 100 FOLSOM, CA 95630 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 5.70% |
| INTEGRATED BENEFITS & INS SERV INC3 Filed as: INTEGRATED BENEFITS AND INS. SVCS. | 1831 IRON POINT ROAD, SUITE 100 FOLSOM, CA 95630 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | PO BOX 5345 RIVERSIDE, CA 92517 | VISION SERVICE PLAN | $694 | $0 | $694 | 1.21% |
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 | 549 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 255 | $3.6M |
| Dental | DIRECT DENTAL ADMINISTRATORS, LLC | 57 | $16K |
| Vision | VISION SERVICE PLAN | 311 | $57K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 549 | $117K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 549 | $117K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 255 | $3.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 549 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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.