| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONA INS. SVCS., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | CALIFORNIA PHYSICIANS' SERVICE | $51K | $0 | $51K | 4.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 5.83% |
| 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 | $6K | $0 | $6K | 4.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INSURANCE | 3390 UNIVERSITY AVENUE RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 2.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN RIVERSIDE, CA 92501 | UNITED CONCORDIA INSURANCE COMPANY | $13K | $6K | $19K | 15.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INSURANCE | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 8.19% |
| STEPHEN HARDY3 | 5266 HOLLISTER AVENUE, SUITE 213 SANTA BARBARA, CA 93111 | AFLAC | $310 | — | $310 | 3.85% |
| LAURIE J. PFEIFFER3 | PO BOX 8022 GOLETA, CA 93118 | AFLAC | $227 | $0 | $227 | 2.82% |
| BRENDA COLLINS POWELL3 | 432 WEST VALERIO STREET, APT 8 SANTA BARBARA, CA 93101 | AFLAC | $146 | $0 | $146 | 1.81% |
| BRIAN MCKELLAR AND OTHER AGENTS3 | 1342 TRAPPERS RIDGE AMMON, ID 83401 | AFLAC | $51 | $0 | $51 | 0.63% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE INSURANCE SVCS. INC | 712 MERCURY AVENUE LOMPOC, CA 93436 | AFLAC | $43 | $0 | $43 | 0.53% |
| KAREN LEE LINDSEY3 | 4465 NOTTINGHAM DRIVE SANTA MARIA, CA 93455 | AFLAC | $24 | $0 | $24 | 0.30% |
| BRADLEY IAN WITT3 | 1621 RIDGEWOOD DRIVE CAMARILLO, CA 93012 | AFLAC | $22 | $0 | $22 | 0.27% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 215 | $1.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 220 | $126K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 203 | $24K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $134K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $134K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $134K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 215 | $1.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 134 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.