| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | BLUE CROSS OF CALIFORNIA | $181K | — | $181K | 2.78% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 350 CONSHOHOCKEN, PA 19428 | BLUE CROSS OF CALIFORNIA | $127K | $8K | $135K | 2.07% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | HARTFORD LIFE AND ACCIDENT | $33K | — | $33K | 9.36% |
| MARSH & MCLENNAN AGENCY LLC3 | LOCKBOX 740659 LOS ANGELES, CA 90074 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 4.53% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $321 | $5K | $5K | 1.55% |
| MARSH & MCLENNAN AGENCY LLC3 | 4703 E. CHAMP LOWELL TUCSON, AZ 85712 | HARTFORD LIFE AND ACCIDENT | $752 | — | $752 | 0.21% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | VISION SERVICE PLAN | $3K | — | $3K | 6.71% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC COMPANY | P.O. BOX 412703 BOSTON, MA 02241 | VISION SERVICE PLAN | $2K | — | $2K | 4.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN GENERAL INSURANCE COMPANY | $630 | — | $630 | 7.44% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 740659 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $440 | $29 | $469 | 5.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN GENERAL INSURANCE COMPANY | $332 | — | $332 | 7.47% |
| MARSH & MCLENNAN AGENCY LLC3 | P.O. BOX 740659 LOS ANGELES, CA 90074 | METROPOLITAN GENERAL INSURANCE COMPANY | $227 | $16 | $243 | 5.47% |
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 | 500 | 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) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 771 | $6.5M |
| Dental | BLUE CROSS OF CALIFORNIA | 771 | $6.5M |
| Vision | VISION SERVICE PLAN | 414 | $47K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 494 | $352K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 494 | $352K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 494 | $352K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 771 | $6.5M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 494 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.