| 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 | CALIFORNIA PHYSICIANS' SERVICE | $55K | $0 | $55K | 4.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN RIVERSIDE, CA 92501 | UNITED CONCORDIA INSURANCE COMPANY | $10K | $6K | $16K | 14.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 6565 AMERICANS PARKWAY NE SUITE 720 ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $471 | $3K | 4.97% |
| 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 | $2K | $0 | $2K | 3.80% |
| GARY L. NETT3 | PO BOX 3310 SANTA BARBARA, CA 93130 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.29% |
| 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 | $916 | $916 | 1.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA | 2393 TOWNSGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | GERBER | $2K | $0 | $2K | 10.00% |
| LAURIE J. PFEIFFER3 | PO BOX 8022 GOLETA, CA 93118 | AFLAC | $629 | $0 | $629 | 4.43% |
| MJ INSURANCE3 Filed as: BRADLEY IAN WITT & VARIOUS AGENTS | 1621 RIDGEWOOD DRIVE CAMARILLO, CA 93012 | AFLAC | $569 | $0 | $569 | 4.01% |
| STEPHEN HARDY3 | 5266 HOLLISTER AVENUE, SUITE 213 SANTA BARBARA, CA 93111 | AFLAC | $539 | $0 | $539 | 3.80% |
| BRENDA COLLINS POWELL3 | 1727 STATE STREET, SUITE 5 SANTA BARBARA, CA 93101 | AFLAC | $156 | $0 | $156 | 1.10% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE INS. SVCS., INC. | 712 MERCURY AVENUE LOMPOC, CA 93436 | AFLAC | $120 | $0 | $120 | 0.85% |
| BRIAN MCKELLAR3 | 1342 TRAPPERS RIDGE AMMON, ID 83401 | AFLAC | $49 | $0 | $49 | 0.35% |
| KAREN LEE LINDSEY3 | 4465 NOTTINGHAM DRIVE SANTA MARIA, CA 93455 | AFLAC | $32 | $0 | $32 | 0.23% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 197 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 194 | $113K |
| Vision | GERBER | 121 | $22K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $58K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $58K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 197 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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.