| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | P.O. BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 9.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. | 3635 RIVERSIDE PLAZA DRIVE BUILDING M3, SUITE 320 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $3K | $12K | 19.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 75 W. TOWNE RIDGE PKWY., SUITE 400 SANDY, UT 84070 | AFLAC | $4K | — | $4K | 8.53% |
| JESSICA COOKSON3 | 3850 VINE STREET, SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $1K | — | $1K | 2.80% |
| GEORGE HUDSON3 | 3916 N. POTSDAM AVE., SUITE 1224 SIOUX FALLS, SD 57104 | AFLAC | $881 | — | $881 | 1.97% |
| JAMES M PITZ3 Filed as: JAMES R. LANDINGHAM | 316 CHURCH STREET WILMINGTON, NC 28401 | AFLAC | $666 | — | $666 | 1.49% |
| DOUGLAS J SUCHECKI3 Filed as: DOUGLAS J. SUCHECKI | 3850 VINE STREET, SUITE 130 RIVERSIDE, CA 92507 | AFLAC | $630 | — | $630 | 1.41% |
| MARRS MADDOCKS & ASSOC. INS. SVCS.3 | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | AFLAC | $479 | — | $479 | 1.07% |
| J&J KRENKLER INSURANCE SERVICES INC3 Filed as: J& J KRENKLER INSURANCE SVCS. INC. | 7084 SITIO FRONTERA CARLSBAD, CA 92009 | AFLAC | $339 | $101 | $440 | 0.98% |
| PETRAGLIA INSURANCE SERVICES INC3 Filed as: PETRAGLIA INSURANCE SERVICES INC. | 918 CREST VIEW ROAD VISTA, CA 92081 | AFLAC | $342 | — | $342 | 0.76% |
| NETTIE PENA3 | 1227 CASSIA TRAIL PALM SPRINGS, CA 92262 | AFLAC | $292 | — | $292 | 0.65% |
| CHRISTOPHER L KENNEDY3 Filed as: CHRISTOPHER L. KENNEDY | 2888 LOKER AVE. E., SUITE 210 CARLSBAD, CA 92010 | AFLAC | $61 | $20 | $81 | 0.18% |
| HEATHER GRAHAM3 | 31036 VAIL CREEK ROAD LEBANON, OR 97355 | AFLAC | $79 | — | $79 | 0.18% |
| SUSAN C. HAMA3 | 7778 PASEO LA JOLLA CARLSBAD, CA 92009 | AFLAC | $59 | $20 | $79 | 0.18% |
| DAWN T SUCHECKI3 Filed as: DAWN T. SUCHECKI | 225 S. WATER STREET WILMINGTON, NC 28401 | AFLAC | $58 | — | $58 | 0.13% |
| COLLEN LAPRADE3 | 6005 HIDDEN VALLEY ROAD, SUITE 150 CARLSBAD, CA 92011 | AFLAC | $58 | — | $58 | 0.13% |
| AARON ROJO3 | 74060 EL CORTEZ WAY PALM DESERT, CA 92260 | AFLAC | $36 | — | $36 | 0.08% |
| ANDREW R GRETHEL3 Filed as: ANDREW R. GRETHEL | 11739 HICKORY RUN COURT LOVELAND, OH 45140 | AFLAC | $21 | — | $21 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | 1525 FARADAY AVE., SUITE 200 CARLSBAD, CA 92008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $311 | $102 | $413 | 19.89% |
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 | 411 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $129K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $129K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $107K |
| Short-term disability | AFLAC | 89 | $45K |
| Other(2 contracts, 2 carriers) | AFLAC | 411 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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.