| 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 | CALIFORNIA PHYSICIANS' SERVICE | $268K | $190 | $269K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED CONCORDIA INSURANCE COMPANY | $28K | — | $28K | 9.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 15.00% |
| JOANNE MEYER3 | 19935 VENTURA BLVD. 1ST FLOOR WOODLAND HILLS, CA 91364 | AFLAC | $5K | $159 | $5K | 10.15% |
| STEPHANIE SANDERS3 | 27305 LIVE OAK ROAD SUITE A437 SANTA CLARITA, CA 91384 | AFLAC | $1K | $32 | $1K | 2.53% |
| ELIZABETH A LENZO3 Filed as: ELIZABETH LENZO | 265 W. NAOMI AVENUE ARCADIA, CA 91007 | AFLAC | $310 | — | $310 | 0.65% |
| GEOFFREY MALAIS3 | 16800 DEVONSHIRE STREET SUITE 220 GRANADA HILLS, CA 91344 | AFLAC | $230 | $32 | $262 | 0.55% |
| JOSEPH A BUZZELLO3 Filed as: JOSEPH BUZZELLO | 9018 BALBOA BLVD. SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $209 | — | $209 | 0.44% |
| ADAM H MICHAELS3 Filed as: ADAM MICHAELS | 12121 WILSHIRE BLVD. SUITE 1225 LOS ANGELES, CA 90025 | AFLAC | $122 | $32 | $154 | 0.32% |
| RENE CASTRO3 | 2581 HILLCREST STREET SIGNAL HILL, CA 90755 | AFLAC | $138 | — | $138 | 0.29% |
| MINES INSURANCE SERVICES INC3 Filed as: MINES INSURANCE SERVICES INC. | 1519 BARTH AVENUE RICHMOND, CA 94806 | AFLAC | $127 | — | $127 | 0.27% |
| DIANN KRZCIOK3 | 2682 GRAN FORKS ROAD HENDERSON, NV 89052 | AFLAC | $66 | — | $66 | 0.14% |
| OLENA K SHEA3 Filed as: OLENA K. SHEA | 1502 BROADWAY UNIT 308 SANTA MONICA, CA 90404 | AFLAC | $65 | — | $65 | 0.14% |
| WILLIAM FRANKENSTEIN3 | 22750 SPARROWDELL DRIVE CALABASAS, CA 91302 | AFLAC | $39 | — | $39 | 0.08% |
| RICARDO MARTINEZ3 | 1442 E. LINCOLN AVENUE SUITE 317 ORANGE, CA 92865 | AFLAC | $34 | — | $34 | 0.07% |
| JONATHAN PAYNE3 | 110 HASLEMERE COURT LAFAYETTE, CA 94549 | AFLAC | $23 | — | $23 | 0.05% |
| PAUL GLOBAL BENEFITS INC3 Filed as: PAUL ROBEDEAU | 9523 BAY COURT CARMEL, CA 93923 | AFLAC | $21 | — | $21 | 0.04% |
| DONALD RIEGER3 | 936 B. SEVENTH STREET PMB 302 NOVATO, CA 94945 | AFLAC | $19 | — | $19 | 0.04% |
| LINDA O'BRIEN3 | 1650 ARROYO SIERRA HIGHWAY SANTA ROSA, CA 95405 | AFLAC | $17 | — | $17 | 0.04% |
| LESLIE HEINSEN3 | 193 BLUE RAVINE ROAD SUITE 140 FOLSOM, CA 95630 | AFLAC | $15 | — | $15 | 0.03% |
| KANDI M MCINTYRE3 Filed as: KANDI MCINTYRE | 2000 MALLORY LANE SUITE 130-378 FRANKLIN, TN 37067 | AFLAC | $15 | — | $15 | 0.03% |
| RICHARD LAMPHERE3 | P.O. BOX 4431 PALOS VERDES PENINSULA, CA 90274 | AFLAC | $13 | — | $13 | 0.03% |
| MONICA B SCHWARZBLATT3 Filed as: MONICA B. SCHWARZBLATT | 623 N. CRESCENT DRIVE BEVERLY HILLS, CA 90210 | AFLAC | $12 | — | $12 | 0.03% |
| LESTER RAY BLACKSHEAR3 | 500 E. FORT KING STREET SUITE A OCALA, FL 34471 | AFLAC | $12 | — | $12 | 0.03% |
| KAREN NELSON3 | 8751 SWALLOW AVENUE FOUNTAIN VALLEY, CA 92708 | AFLAC | $5 | — | $5 | 0.01% |
| CALIFORNIA EAST BAY INS SERV INC3 Filed as: CALIFORNIA EAST BAY INSURANCE | SERVICE INC. 5236 TAPESTRY COURT FAIRFIELD, CA 94534 | AFLAC | $3 | — | $3 | 0.01% |
| DONNA HERNANDEZ3 | 29428 DOVEWEED WAY SANTA CLARITA, CA 91350 | AFLAC | $2 | — | $2 | 0.00% |
| LES HEINSEN INS SERVICES INC3 Filed as: LES HEINSEN INSURANCE SERVICES INC. | 193 BLUE RAVINE ROAD SUITE 140 FOLSOM, CA 95630 | AFLAC | $2 | — | $2 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | UNITED CONCORDIA DENTAL PLANS OF CALIFORNIA, INC. | $4K | — | $4K | 9.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91102 | BLUE SHIELD OF CALIFRONIA LIFE & HEALTH INSURANCE COMPANY | $5K | — | $5K | 14.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | P.O. BOX 6030 PASADENA, CA 911026030 | EYEMED VISION CARE | $3K | — | $3K | 9.15% |
| JOHNSON RESOURCES3 | 7373 E. DOUBLETREE RANCH SUITE 200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE | $630 | — | $630 | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON & COMPANY | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
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 | 575 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS' SERVICE | 940 | $5.4M |
| Dental(2 contracts, 2 carriers) | UNITED CONCORDIA INSURANCE COMPANY | 583 | $343K |
| Vision | EYEMED VISION CARE | 600 | $34K |
| Life insurance(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 575 | $128K |
| Short-term disability | AFLAC | 74 | $47K |
| Prescription drug | CALIFORNIA PHYSICIANS' SERVICE | 940 | $5.4M |
| Other(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFRONIA LIFE & HEALTH INSURANCE COMPANY | 541 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.