| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | BLUE CROSS OF CALIFORNIA | $45K | $11K | $56K | 0.82% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET SUITE 210 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 36.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 15.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | METLIFE LEGAL PLANS | $4K | — | $4K | 9.60% |
| BUCK GLOBAL LLC3 | P.O. BOX 207640 DALLAS, TX 75320 | METLIFE LEGAL PLANS | — | $563 | $563 | 1.39% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METLIFE LEGAL PLANS | — | $38 | $38 | 0.09% |
| SNAPENROLL LLC3 | 3737 BIRCH STREET SUITE 210 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 40.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 17.44% |
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 | 1,023 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 1,614 | $6.8M |
| Dental | BLUE CROSS OF CALIFORNIA | 1,614 | $6.8M |
| Vision | BLUE CROSS OF CALIFORNIA | 1,614 | $6.8M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 1,614 | $6.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,042 | $176K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 1,614 | $6.8M |
| Other(4 contracts, 3 carriers) | BLUE CROSS OF CALIFORNIA | 1,614 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,614 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.