| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 95201 | BLUE CROSS OF CALIFORNIA | $201K | $21K | $222K | 4.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 40 EAST ALAMAR SANTA BARBARA, CA 93105 | AFLAC | $38K | $0 | $38K | 18.23% |
| JACQUELINE VEGA3 | 847 NORTH HOLLYWOOD WAY SUITE 204 BURBANK, CA 91505 | AFLAC | $18K | $0 | $18K | 8.65% |
| YOLANDA JOY RICHMAN3 Filed as: YOLANDA J RICHMAN | 10000 NEVADA AVENUE CHATSWORTH, CA 91311 | AFLAC | $4K | $0 | $4K | 1.79% |
| MJ INSURANCE3 Filed as: ENRIQUE OSUNA AND VARIOUS AGENTS | 6720 CASE AVENUE NORTH HOLLYWOOD, CA 91606 | AFLAC | $4K | $0 | $4K | 1.76% |
| LILY YAN3 | 3122 DONA MARTA DRIVE STUDIO CITY, CA 91604 | AFLAC | $3K | $0 | $3K | 1.22% |
| RENEE SUZANNE CORSO3 Filed as: RENEE S CORSO | 5805 SEPULVEDA BOULEVARD SUITE 740 SHERMAN OAKS, CA 91411 | AFLAC | $2K | $0 | $2K | 0.78% |
| NOEMI OSUNA3 | 847 NORTH HOLLYWOOD WAY SUITE 204 BURBANK, CA 91505 | AFLAC | $1K | $0 | $1K | 0.63% |
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 | 1,282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 1,282 | $5.1M |
| Dental | BLUE CROSS OF CALIFORNIA | 1,282 | $5.1M |
| Vision | BLUE CROSS OF CALIFORNIA | 1,282 | $5.1M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 1,282 | $5.1M |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,282 | $5.1M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,282 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,282 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.