| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSUR SERVICES IN | 3390 UNIVERSITY AVE RIVERSIDE, CA 92501 | AETNA HEALTH INC | $38K | — | $38K | 4.57% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCE SRVS INC | 12404 PARK CENTRAL DR, STE 400S DALLAS, TX 75251 | AETNA HEALTH INC | $8K | — | $8K | 0.92% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 303393182 | DELTA DENTAL OF CALIFORNIA | $4K | — | $4K | 6.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $3K | — | $3K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSUR SERVICES IN | 3390 UNIVERSITY AVE RIVERSIDE, CA 92501 | AETNA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 21.23% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: DKG INSURANCE & FINANCIAL SERIVCES | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 92501 | AETNA LIFE INSURANCE COMPANY | $423 | — | $423 | 0.91% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 27.39% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 27.56% |
| DIGITAL INSURANCE LLC3 | 400 GALLERIA PARKWAY SUITE 300 ATLANTA, GA 303393182 | DELTA DENTAL OF CALIFORNIA | $669 | — | $669 | 10.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 4371 LATHAM ST STE 101 RIVERSIDE, CA 92501 | HOLMAN PROFESSIONAL COUNSELING CENTERS | $213 | — | $213 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVC | PO BOX 2158 RIVERSIDE, CA 92516 | HARTFORD LIFE AND ACCIDENT | $242 | $6 | $248 | 11.05% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | — | $121 | $121 | 5.39% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 4 | $46K |
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 137 | $79K |
| Vision | VISION SERVICE PLAN | 455 | $55K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 95 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 92 | $19K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.