| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | KAISER FOUNDATION HEALTH PLAN INC | $69K | $0 | $69K | 4.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURENCE SE | PO BOX 803 LOS ALAMOS, CA 93440 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $39K | $0 | $39K | 11.92% |
| BRANDON TYLOR-DA SHIRLEY3 Filed as: BRANDON SHIRLEY | 5110 SOUTH SHERBOURNE DRIVE LOS ANGELES, CA 90056 | AFLAC | $7K | $456 | $7K | 9.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 2393 TOWNSGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $4K | $0 | $4K | 5.81% |
| DAVID HERNANDEZ3 | 2239 WEST 190TH STREET TORRANCE, CA 90504 | AFLAC | $2K | $129 | $2K | 2.56% |
| TALAHA RAHMAN3 | 10973 PRESCOTT DRIVE FRISCO, TX 75033 | AFLAC | $1K | $57 | $1K | 1.72% |
| CARLOS DAVID HERNANDEZ3 Filed as: CARLOS LOPEZ AND OTHER AGENTS | 14025 JEFFERSON AVENUE HAWTHRONE, CA 90250 | AFLAC | $794 | $40 | $834 | 1.08% |
| MYKISHA L. THOMAS3 Filed as: MYKISHA BUTLER | 3886 3RD AVENUE LOS ANGELES, CA 90008 | AFLAC | $496 | $0 | $496 | 0.64% |
| CHARLOS CARVING JR3 | 1467 WEST 49TH STREET LOS ANGELES, CA 90062 | AFLAC | $206 | $0 | $206 | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | BLUE CROSS OF CALIFORNIA | $10K | $957 | $11K | 356.49% |
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 | 443 | 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) | 443 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 186 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 485 | $330K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 485 | $330K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 485 | $330K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 186 | $1.7M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 485 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.