| 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 | $170K | $4K | $174K | 5.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | DELTA DENTAL OF CALIFORNIA | $21K | $0 | $21K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | STANDARD INSURANCE COMPANY | $8K | $1K | $10K | 7.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIOAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 0.99% |
| ROBERT D AHEARN3 | 13646 MORNINGSIDE DRIVE YUCAIPA, CA 92399 | AFLAC | $8K | $1K | $9K | 11.52% |
| MARIAN E LENCIONI3 | 3400 INLAND EMPIRE BOULEVARD SUITE 101 ONTARIO, CA 91764 | AFLAC | $2K | $149 | $2K | 2.27% |
| MJ INSURANCE3 Filed as: MARK FITZGERALD AND VARIOUS AGENTS | 3004 NORTH ROAD RUNNER COURT HIGHLAND, CA 92346 | AFLAC | $848 | $0 | $848 | 1.07% |
| DAVID J REESOR3 | 1615 WILSON AVENUE UPLAND, CA 91784 | AFLAC | $537 | $136 | $673 | 0.85% |
| VALERIE ZEMENO3 | 2685 WEST WHITE PINE AVENUE SAN BERNARDINO, CA 92407 | AFLAC | $487 | $0 | $487 | 0.62% |
| AARON D MCGOVERN3 Filed as: AARON D MCGOVEN | 1794 AVENIDA REGINA SAN MARCOS, CA 92069 | AFLAC | $323 | $0 | $323 | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 2393 TOWNSGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $189 | $0 | $189 | 0.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | $0 | $5K | 9.98% |
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 | 316 | 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) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 565 | $3.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF CALIFORNIA | 632 | $286K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 527 | $48K |
| Life insurance | STANDARD INSURANCE COMPANY | 300 | $123K |
| Short-term disability | STANDARD INSURANCE COMPANY | 300 | $123K |
| Long-term disability | STANDARD INSURANCE COMPANY | 300 | $123K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 565 | $3.2M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 300 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 632 | — |
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.