| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | CALIFORNIA PHYSICIANS' SERVICE | $90K | $0 | $90K | 4.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATINAL INS SERVICES | 40 EAST ALAMAR AVENUE, SUITE 3 SANTA BARBARA, CA 93105 | STARMOUNT LIFE INSURANCE COMPANY | $17K | $0 | $17K | 10.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS | 3390 UNIVERSITY AVENUE RIVERSIDE, CA 92501 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SE | 6565 AMERICAS PARKWAY NE, SUITE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 4.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INSURANCE | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 3.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS | 3390 UNIVERSITY AVENUE RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $833 | $3K | 2.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INSURANCE | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 2.04% |
| STEPHEN HARDY3 | 410 MERIDA DRIVE SANTA BARBARA, CA 93111 | AFLAC | $271 | $0 | $271 | 3.28% |
| PHOLLIP RAY MIRANDA3 | 543 WINCHESTER DRIVE OXNARD, CA 93036 | AFLAC | $195 | $0 | $195 | 2.36% |
| LAURIE J. PFEIFFER3 Filed as: LAURIE J PFEIFFER | PO BOX 8022 GOLETA, CA 93118 | AFLAC | $191 | $0 | $191 | 2.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATINAL INS SERVICES | 40 EAST ALAMAR AVENUE, SUITE 3 SANTA BARBARA, CA 93105 | AFLAC | $156 | $0 | $156 | 1.89% |
| BRENDA COLLINS POWELL3 | 432 WEST VALERIO APARTMENT 8 SANTA BARBARA, CA 93101 | AFLAC | $135 | $0 | $135 | 1.63% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE & OTHER AGENTS | 705 SAINT ANDREWS WAY LOMPOC, CA 93436 | AFLAC | $121 | $0 | $121 | 1.46% |
| TIRZO A LOPEZ3 | 14608 SPITFIRE TRL ROANOKE, TX 76262 | AFLAC | $39 | $0 | $39 | 0.47% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 255 | $2.0M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 149 | $157K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 149 | $157K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $146K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $146K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $146K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 255 | $2.0M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.