| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SVCS | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $117K | $3K | $121K | 4.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | DELTA DENTAL OF CALIFORNIA | $12K | — | $12K | 10.00% |
| ROBERT D AHEARN3 | 13646 MORNINGSIDE DRIVE YUCAIPA, CA 92399 | AFLAC | $14K | $537 | $15K | 15.82% |
| MARIAN E LENCIONI3 | 3400 INLAND EMPIRE BOULEVARD SUITE 101 ONTARIO, CA 91764 | AFLAC | $2K | $103 | $2K | 2.39% |
| MARK J FITZGERALD3 Filed as: MARK J FITZGERALD AND OTHER AGENTS | 3004 NORTH ROAD RUNNER COURT HIGHLAND, CA 92346 | AFLAC | $1K | $4 | $1K | 1.31% |
| DAVID J REESOR3 | 2220 EAST ROUTE 66, SUITE 215 GLENDORA, CA 91740 | AFLAC | $931 | $81 | $1K | 1.10% |
| DAVID J REESOR3 | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $631 | $26 | $657 | 0.71% |
| AARON D MCGOVERN3 | 1794 AVENIDA REGINA SAN MARCOS, CA 92069 | AFLAC | $401 | $0 | $401 | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 2393 TOWNSGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $247 | $0 | $247 | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | STANDARD INSURANCE COMPANY | $4K | $821 | $4K | 5.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 1.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | DELTA DENTAL OF CALIFORNIA | $6K | — | $6K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | STANDARD INSURANCE COMPANY | $4K | $346 | $4K | 11.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $0 | $629 | $629 | 1.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | STANDARD INSURANCE COMPANY | $1K | $103 | $1K | 11.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $0 | $187 | $187 | 1.81% |
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 | 378 | 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) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 522 | $2.6M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 307 | $270K |
| Vision(2 contracts) | EYEMED VISION CARE | 378 | $0 |
| Life insurance | STANDARD INSURANCE COMPANY | 323 | $78K |
| Short-term disability | STANDARD INSURANCE COMPANY | 323 | $10K |
| Long-term disability | STANDARD INSURANCE COMPANY | 323 | $35K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 522 | $2.6M |
| Other(2 contracts, 2 carriers) | AFLAC | 323 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 522 | — |
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.