| 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 | $119K | — | $119K | 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. | $74K | — | $74K | 3.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | METROPOLITAN LIFE INSURANCE COMPANY | $93K | $25K | $118K | 15.26% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $407 | $5K | 13.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 8.49% |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $333 | $4K | 12.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $934 | $2K | 7.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | METROPOLITAN LIFE INSURANCE COMPANY | -$351 | $1K | $1K | — |
| VOLUNTARY BENEFIT ADVISORS3 | 2400 MAIN STREET, SUITE 200 IRVINE, CA 92614 | METROPOLITAN LIFE INSURANCE COMPANY | -$820 | $554 | -$266 | — |
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 | 551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 556 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | SHARP HEALTH PLAN | 426 | $5.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 897 | $773K |
| Vision(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 897 | $3.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 897 | $773K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 897 | $773K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 897 | $773K |
| Prescription drug(2 contracts, 2 carriers) | SHARP HEALTH PLAN | 426 | $5.0M |
| Other(5 contracts, 2 carriers) | SHARP HEALTH PLAN | 897 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 897 | — |
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.