| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | BLUE CROSS OF CALIFORNIA | $50K | $13K | $64K | 5.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | BLUE CROSS OF CALIFORNIA | $13K | $3K | $16K | 6.28% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $5K | $16K | $20K | 26.25% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 24.91% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, STE 1950 ATLANTA, GA 30339 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $1K | $6K | 24.69% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 300 GALLERIA PARKWAY SE, STE 1100 ATLANTA, GA 30339 | VISION SERVICE PLAN | $727 | $4K | $5K | 34.90% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SE, STE 1950 ATLANTA, GA 30339 | DELTA DENTAL OF CALIFORNIA | $502 | — | $502 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 4371 LATHAM ST, STE 101 RIVERSIDE, CA 92501 | HOLMAN PROFESSIONAL COUNSELING CENTERS | $224 | — | $224 | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $303 | $305 | $608 | 19.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | ANTHEM LIFE INSURANCE COMPANY | $183 | — | $183 | 8.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $99 | — | $99 | 9.83% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 300 GALLERIA PARKWAY SE, STE 1100 ATLANTA, GA 303395946 | VISION SERVICE PLAN | $2 | $23 | $25 | 32.47% |
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 | 123 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF CALIFORNIA | 161 | $82K |
| Vision(2 contracts) | VISION SERVICE PLAN | 90 | $14K |
| Life insurance(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $43K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $23K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 113 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.