| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SRVCS | PO BOX 255387 SACREMENTO, CA 958655387 | KAISER FOUNDATION HEALTH PLAN INC. | $30K | — | $30K | 2.59% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT DIABLO BLVD STE 100 LAFAYETTE, CA 945493769 | KAISER FOUNDATION HEALTH PLAN INC. | $100 | — | $100 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SRVS | PO BOX 255387 SACREMENTO, CA 958655387 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 2.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 255387 SACREMENTO, CA 95865 | NATIONWIDE | $12K | — | $12K | 12.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 156O ORANGE AVE., STE 750 WINTER PARK, FL 32789 | NATIONWIDE | $2K | — | $2K | 2.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATINAL INS SRVCS INC | PO BOX 255387 SACREMENTO, CA 95865 | AMERITAS | $10K | — | $10K | 12.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE., STE 750 WINTER PARK, FL 32789 | AMERITAS | $2K | — | $2K | 2.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD SUITE 202 WAUKESHA, WI 53188 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $79K | — | $79K | 107.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 4047 CONCORD, CA 94524 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $14K | $14K | 19.38% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS SVCS OF CA | 3697 MT. DIABLO BLVD. SUITE 100 LAFAYETTE, CA 94594 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $14 | — | $14 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 4047 CONCORD, CA 94524 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 50.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SRVS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ARAG INSURANCE COMPANY | $412 | — | $412 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SRVCS INC | PO BOX 255387 SACREMENTO, CA 95865 | CRUM & FORSTER | $343 | — | $343 | 14.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE., STE 750 WINTER PARK, FL 32789 | CRUM & FORSTER | $64 | — | $64 | 2.75% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 258 | $3.3M |
| Dental(2 contracts, 2 carriers) | AMERITAS | 282 | $155K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 282 | $155K |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE | 282 | $168K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 12 | $9K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 155 | $29K |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 258 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.