| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | 3390 UNIVERSITY AVE SUITE 300 RIVERSIDE, CA 92501 | BLUE SHIELD OF CALIFORNIA | — | $154K | $154K | 7.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA | 3635 RIVERSIDE PLAZA DR BLDG M3 SUITE 320 RIVERSIDE, CA 92503 | UNITED CONCORDIA INSURANCE COMPANY | $17K | $16K | $33K | 17.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA | 3635 RIVERSIDE PLAZA DR BLDG M3 SUITE 320 RIVERSIDE, CA 92503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $721 | $8K | 16.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $3K | $39 | $3K | 6.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA | 3635 RIVERSIDE PLAZA DR BLDG M3 SUITE 320 RIVERSIDE, CA 92503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $691 | $6K | 16.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA | 3635 RIVERSIDE PLAZA DR BLDG M3 SUITE 320 RIVERSIDE, CA 92503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $350 | $4K | 16.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $1K | — | $1K | 5.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA | 3635 RIVERSIDE PLAZA DR BLDG M3 SUITE 320 RIVERSIDE, CA 92503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $153 | $1K | 16.81% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA | 150 | $2.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 133 | $187K |
| Vision | VISION SERVICE PLAN | 167 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $47K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.