| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 3310 SANTA BARBARA, CA 93130 | BLUE CROSS OF CALIFORNIA | $118K | $9K | $127K | 4.94% |
| HEFFERNAN INSURANCE BROKERS3 | 180 HOWARD STREET SUITE 200 SAN FRANCISCO, CA 94105 | BLUE CROSS OF CALIFORNIA | -$3 | $0 | -$3 | -0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 28906 FRESNO, CA 93729 | KAISER FOUNDATION HEALTH PLAN INC | $48K | $0 | $48K | 3.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $23K | $648 | $23K | 1.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | $34K | $3K | $37K | 17.52% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE SUITE 200 WALNUT CREEK, CA 94596 | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | $5K | $0 | $5K | 2.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 548 CROMWELL AVENUE FRESNO, IL 93711 | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | $131 | $5 | $136 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 548 WEST CROMWELL AVENUE FRESNO, CA 93711 | UNUM INSURANCE COMPANY | $9K | $561 | $9K | 40.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | HEALTHIEST YOU | $2K | $0 | $2K | 15.00% |
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 | 741 | 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) | 741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 976 | $3.9M |
| Dental | BLUE CROSS OF CALIFORNIA | 976 | $2.6M |
| Vision | BLUE CROSS OF CALIFORNIA | 976 | $2.6M |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 976 | $2.8M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | 346 | $213K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMEIRCA | 346 | $213K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 976 | $3.9M |
| Other(5 contracts, 5 carriers) | BLUE CROSS OF CALIFORNIA | 976 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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.