| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | PO BOX 3310 SANTA BARBARA, CA 93130 | BLUE CROSS OF CALIFORNIA | $74K | $26K | $99K | 5.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC | $56K | $0 | $56K | 4.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, IL 92501 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $0 | $28K | 11.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON, 12TH FLOOR CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 5.18% |
| TALHA ZAQUIR RAHMAN3 | 8811 ELDORADO PARKWAY APARTMENT 4101 FRISCO, TX 75033 | AFLAC | $13K | $0 | $13K | 15.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2393 TOWNGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $10K | $0 | $10K | 12.49% |
| MJ INSURANCE3 Filed as: TAMI FUKUSHIMA AND VARIOUS AGENTS | PO BOX 3757 BEVERLY HILLS, CA 90212 | AFLAC | $8K | $50 | $8K | 9.39% |
| BRANDON TYLOR-DA SHIRLEY3 | 5110 SOUTH SHERBOURNE DRIVE LOS ANGELES, CA 90056 | AFLAC | $2K | $114 | $2K | 2.74% |
| CHARLES N. CRAVINGS JR3 Filed as: CHARLES N. CRAVINGS JR. | 1467 WEST 49TH STREET LOS ANGELES, CA 90062 | AFLAC | $2K | $0 | $2K | 1.86% |
| DAVID HERNANDEZ3 Filed as: DAVID HERNANADEZ | 2239 WEST 190TH STREET TORRANCE, CA 90504 | AFLAC | $1K | $0 | $1K | 1.83% |
| PETER GANCHEV BUDEVSKI3 | 2501 WEST REDONDO BEACH BOULEVARD APARTMENT 232 GARDENA, CA 90249 | AFLAC | $1K | $0 | $1K | 1.41% |
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 | 379 | 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) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 448 | $3.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $234K |
| Vision | BLUE CROSS OF CALIFORNIA | 448 | $1.7M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $234K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 448 | $3.1M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 287 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.