| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 4371 LATHAM ST, SUITE 101 RIVERSIDE, CA 92501 | CALIFORNIA PHYSICIANS' SERVICE | $9K | — | $9K | 4.22% |
| M & L INSURANCE SERVICE CORP3 | P. O. BOX 3310 SANTA BARBARA, CA 93130 | PRINCIPAL LIFE INSURANCE COMPANY | $632 | — | $632 | 1.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2300 CLAYTON ROAD, STE 300 CONCORD, CA 94520 | UNITEDHEALTHCARE INSURANCE COMPANY | $704 | — | $704 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL OF CA INSURANCE | 3390 UNIVERSITY AVE, STE 300 RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY | $306 | — | $306 | 12.01% |
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 | 40 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 40 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 40 | $209K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 24 | $7K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 24 | $7K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 40 | $55K |
| Other | UNUM LIFE INSURANCE COMPANY | 26 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 40 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.