| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | AETNA LIFE INSURANCE COMPANY | $33K | — | $33K | 4.52% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA LIFE INSURANCE COMPANY | $7K | $523 | $8K | 1.06% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PLACE, SUITE 370 GOLD RIVER, CA 95670 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.44% |
| JOHN O BRONSON CO INC3 Filed as: JOHN O. BRONSON COMPANY, INC. | PO BOX 255387 SACRAMENTO, CA 95865 | KAISER FOUNDATION HEALTH PLAN INC | $26K | — | $26K | 4.33% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | KAISER FOUNDATION HEALTH PLAN INC | $6K | — | $6K | 0.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | — | $800 | $800 | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | AETNA HEALTH, INC. | $9K | — | $9K | 4.53% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | AETNA HEALTH, INC. | $2K | — | $2K | 0.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 12009 FOUNDATION PLACE, SUITE 370 GOLD RIVER, CA 95670 | AETNA HEALTH, INC. | $861 | — | $861 | 0.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3636 AMERICAN RIVER DR. #200 SACRAMENTO, CA 95864 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $5K | $8K | 6.11% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 135 MAIN STREET, 21ST FLOOR SAN FRANCISCO, CA 94105 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $136 | — | $136 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 5345 RIVERSIDE, CA 92517 | VISION SERVICE PLAN | $855 | — | $855 | 5.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | EPIC OPERATING FILE 1367 PASADENA, CA 91199 | VISION SERVICE PLAN | $102 | — | $102 | 0.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3636 AMERICAN RIVER DRIVE SUITE 200 SACRAMENTO, CA 95864 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 16.75% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 123 MISSION STREET, 26TH FLOOR SAN FRANCISCO, CA 94105 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $365 | — | $365 | 3.25% |
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 | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 129 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $138K |
| Vision | VISION SERVICE PLAN | 110 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $138K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 27 | $11K |
| Prescription drug(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 129 | $1.5M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.