| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC. | PO BOX 2158 RIVERSIDE, CA 92501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.57% |
| HAYS COMPANIES, INC.3 | 80 S 8TH ST. STE. 700 MINNEAPOLIS, CA 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $77 | $77 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC. | 3390 UNIVERSITY AVE. STE. 300 RIVERSIDE, CA 92051 | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | 0.03% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1200 N MAYFAIR RD MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 13.65% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1200 N MAYFAIR RD MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.91% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1200 N MAYFAIR RD MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 14.03% |
| HAYS COMPANIES, INC.3 | 80 S 8TH ST UNIT 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $518 | $7K | 20.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC. | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | — | $196 | $196 | 0.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 3390 UNIVERSITY AVE. STE. 300 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $120 | $59 | $179 | 0.55% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH STREET MINNEAPOLIS, AR 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $419 | $5K | 19.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | — | $178 | $178 | 0.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 3390 UNIVERSITY AVE. RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $30 | $59 | $89 | 0.33% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 80 SOUTH 8TH STREET STE 700 MINNEAPOLIS, MN 55402 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $326 | $4K | 19.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC. | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | — | $128 | $128 | 0.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 3390 UNIVERSITY AVE. RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | -$4 | $59 | $55 | 0.29% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 1200 N MAYFAIR RD MILWAUKEE, WI 53226 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $607 | $607 | 4.03% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | ARAG INSURANCE COMPANY | $369 | — | $369 | 4.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES OF | 3697 MT. BLVD. STE. 100 LAFAYETTE, CA 94549 | ARAG INSURANCE COMPANY | $332 | — | $332 | 3.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 3697 MT. DIABLO BLVD STE. 100 LAFAYETTE, CA 94549 | ARAG INSURANCE COMPANY | $130 | — | $130 | 1.56% |
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 | 435 | 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) | 435 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | CALIFORNIA PHYSICIANS SERVICE | 364 | $3.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 502 | $212K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 421 | $33K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 435 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 434 | $56K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 364 | $3.1M |
| Other(6 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 435 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 502 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.