| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS.SVCS., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | CALIFORINA PHYSICIANS SERVICE | $64K | $0 | $64K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | UNITED CONCORDIA INSURANCE COMPANY | $6K | $0 | $6K | 5.74% |
| GARY L. NETT3 | PO BOX 3310 SANTA BARBARA, CA 93130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 6.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 6565 AMERICAS PARKWAY NE, SUITE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $178 | $3K | 3.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA INS | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 1.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CALIFORNIA | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | GERBER | $2K | $0 | $2K | 10.00% |
| LAURIE J. PFEIFFER3 | PO BOX 8022 GOLETA, CA 93118 | AFLAC | $627 | $0 | $627 | 5.37% |
| STEPHEN HARDY3 | 5266 HOLLISTER AVENUE, SUITE 213 SANTA BARBARA, CA 93111 | AFLAC | $488 | $0 | $488 | 4.18% |
| PETER HOUSTON KRUSE3 | 102 NORTH HOPE AVENUE APARTMENT 23 SANTA BARBARA, CA 93101 | AFLAC | $287 | $0 | $287 | 2.46% |
| BRENDA COLLINS POWELL3 | 1727 STATE STREET, SUITE 5 SANTA BARBARA, CA 93101 | AFLAC | $144 | $0 | $144 | 1.23% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE INS. SERVICES INC. | 712 MERCURY AVENUE LOMPOC, CA 93436 | AFLAC | $128 | $0 | $128 | 1.10% |
| KAREN LEE LINDSEY3 Filed as: KAREN LEE LINDSEY AND OTHER AGENTS | 4465 NOTTINGHAM DRIVE SANTA MARIA, CA 93455 | AFLAC | $82 | $0 | $82 | 0.70% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE INS. SERVICES INC. | 3420 ORCUTT ROAD, SUITE 206B SANTA MARIA, CA 93455 | AFLAC | $37 | $0 | $37 | 0.32% |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORINA PHYSICIANS SERVICE | 195 | $1.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 193 | $107K |
| Vision(2 contracts, 2 carriers) | CALIFORINA PHYSICIANS SERVICE | 195 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $69K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $69K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.