| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $86K | $3K | $88K | 4.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.00% |
| CHARLES BOGUE3 | 510 WEST 6TH STREET, SUITE 815 LOS ANGELES, CA 90014 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$5 | — | -$5 | -0.00% |
| ROBERT D AHEARN3 Filed as: ROBERT AHEARN | 13646 MORNINGSIDE DRIVE YUCAIPA, CA 92399 | AFLAC | $6K | $477 | $6K | 11.76% |
| GAYLE AHEARN3 | 13646 MORNINGSIDE DRIVE YUCAIPA, CA 92399 | AFLAC | $2K | — | $2K | 3.01% |
| MARIAN E LENCIONI3 Filed as: MARIAN LENCIONI | 1794 AVENIDA REGINA SAN MARCOS, CA 92069 | AFLAC | $1K | $95 | $1K | 2.67% |
| AARON D MCGOVERN3 Filed as: AARON MCGOVERN | 1794 AVENIDA REGINA SAN MARCOS, CA 92069 | AFLAC | $1K | $96 | $1K | 2.24% |
| MJ INSURANCE3 Filed as: KIT EVANS AND VARIOUS AGENTS | 2065 NORTH PALM AVENUE UPLAND, CA 91784 | AFLAC | $956 | $11 | $967 | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2983 TOWNSGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $293 | — | $293 | 0.55% |
| MARY FITZGERALD3 | 3004 NORTH ROAD RUNNER COURT HIGHLAND, CA 92346 | AFLAC | $264 | — | $264 | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | EYEMED VISION CARE | $784 | — | $784 | 2.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | EYEMED VISION CARE | $261 | — | $261 | 0.90% |
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 | 286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 390 | $1.9M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 254 | $168K |
| Vision | EYEMED VISION CARE | 387 | $29K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 286 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 286 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 286 | $0 |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 390 | $1.9M |
| Other(4 contracts, 3 carriers) | AFLAC | 286 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.