| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALI INS SRVCS | 3390 UNIVERSITY AVE RIVERSIDE, CA 92501 | AETNA HEALTH, INC | $74K | $7K | $82K | 4.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALI INS SRVCS | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $41K | $479 | $42K | 3.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES, INC | FRS UP 16 E DEXTER PLAZA PEARL RIVER, NY 10695 | PREMIER ACCESS INSURANCE COMPANY | $4K | — | $4K | 3.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVCES, INC | PO BOX 2158 RIVERSIDE, CA 92517 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.67% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $29 | $29 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES, INC | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 925013315 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES, INC | 40 E ALAMAR AVE SANTA BARBARA, CA 931053400 | AMERITAS LIFE INSURANCE CORP | — | $665 | $665 | 2.95% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH, INC | 203 | $3.3M |
| Dental | PREMIER ACCESS INSURANCE COMPANY | 380 | $105K |
| Vision | AMERITAS LIFE INSURANCE CORP | 321 | $23K |
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $87K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $87K |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $87K |
| Other | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 147 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.