| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | SHARP HEALTH PLAN | $111K | — | $111K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | KAISER FOUNDATION HEALTH PLAN INC. | $80K | $2K | $82K | 5.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | METROPOLITAN LIFE INSURANCE COMPANY | $83K | $21K | $104K | 15.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVENUE, SUITE 200 CARLSBAD, CA 92108 | NATIONAL HEALTH INSURANCE COMPANY (NHIC) | $3K | — | $3K | 4.00% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3 | $11K | 18.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 11.76% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 17.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 11.19% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 19.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 12.05% |
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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | SHARP HEALTH PLAN | 398 | $4.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $680K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 860 | $3.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $680K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $680K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $680K |
| Prescription drug(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 398 | $4.4M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 860 | $738K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 860 | — |
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.