| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SRVCS | PO BOX 255387 SACRAMENTO, CA 958655387 | KAISER FOUNDATION HEALTH PLAN INC. | $22K | — | $22K | 2.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 255387 SACRAMENTO, CA 95865 | NATIONWIDE | $11K | — | $11K | 14.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATINAL INS SRVCS INC | PO BOX 255387 SACRAMENTO, CA 95865 | AMERITAS | $10K | — | $10K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD SUITE 202 WAUKESHA, WI 53188 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $68K | — | $68K | 112.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SRVCS INC | PO BOX 4047 CONCORD, CA 94524 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | — | $10K | $10K | 16.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SRVS | PO BOX 255387 SACRAMENTO, CA 958655387 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 2.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 2560 PROFESSIONAL PKWY SANTA MARIA, CA 93455 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 35.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 4047 CONCORD, CA 94524 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $664 | $664 | 8.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SRVS INC | PO BOX 2158 RIVERSIDE, CA 92516 | ARAG INSURANCE COMPANY | $336 | — | $336 | 9.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SRVCS INC | PO BOX 255387 SACRAMENTO, CA 95865 | CRUM & FORSTER | $313 | — | $313 | 17.51% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 172 | $2.8M |
| Dental | AMERITAS | 138 | $69K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 201 | $130K |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE | 201 | $138K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 11 | $8K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 0 | $25K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 87 | $77K |
| Other(4 contracts, 4 carriers) | BLUE CROSS OF CALIFORNIA | 172 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.