| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 75 WEST TOWNE RIDGE PARKWAY SUITE 400, TOWER 2 SANDY, UT 84070 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $107K | $129K | 4.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 75 WEST TOWNE RIDGE PARKWAY SUITE 400, TOWER 2 SANDY, UT 84070 | LIFEMAP ASSURANCE COMPANY | $20K | $0 | $20K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $0 | $125 | $125 | 0.17% |
| CUSTOM INSURANCE SPECIALISTS INC3 | 886 EAST 3200 NORTH KAMAS, UT 84036 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $477 | $3K | 16.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC | PO BOX 2158 RIVERSIDE, CA 92516 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 7.20% |
| LESLEE BROOKE GOBELMAN3 | 5607 SOUTH GREENLEAF DRIVE MURRAY, UT 84123 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $672 | $0 | $672 | 3.36% |
| LISA B NIELSEN3 Filed as: LISA B. NIELSEN | PO BOX 703 VERNAL, UT 84078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $248 | $0 | $248 | 1.24% |
| JILL HUGHES3 | 6510 TAMARA DRIVE SALT LAKE DRIVE, UT 84129 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $36 | $2 | $38 | 0.19% |
| MARJORIE TORMAN3 | 3018 NORTH 4975 EAST EDEN, UT 84310 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 795 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 795 | $3.2M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 795 | $3.2M |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 175 | $198K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 175 | $198K |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 175 | $198K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 795 | $3.4M |
| Other(2 contracts, 2 carriers) | LIFEMAP ASSURANCE COMPANY | 175 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 795 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.