| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 5375 MIRA SORRENTO PLACE, SUITE 400 SAN DIEGO, CA 92121 | UNION SECURITY INSURANCE COMPANY | $11K | $10K | $21K | 11.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD., SUITE 600 GLENDALE, CA 91203 | UNION SECURITY INSURANCE COMPANY | $780 | — | $780 | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 5375 MIRA SORRENTO PLACE, SUITE 400 SAN DIEGO, CA 92121 | VISION SERVICE PLAN | $836 | — | $836 | 2.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 5375 MIRA SORRENTO PLACE, SUITE 400 SAN DIEGO, CA 92121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD., SUITE 600 GLENDALE, CA 91203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $725 | $382 | $1K | 3.38% |
| EBA AND M CORPORATION3 | 3505 CADILLAC AVENUE, SUITE 0-201 COSTA MESA, CA 92626 | AIG BENEFIT SOLUTIONS MEDICAL EXCESS | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 5375 MIRA SORRENTO PLACE, SUITE 400 SAN DIEGO, CA 92121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 7.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD., SUITE 600 GLENDALE, CA 91203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $404 | $180 | $584 | 3.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 5375 MIRA SORRENTO PLACE, SUITE 400 SAN DIEGO, CA 92121 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $382 | — | $382 | 8.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 505 N BRAND BLVD., SUITE 600 GLENDALE, CA 91203 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $79 | $128 | $207 | 4.49% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 193 | $177K |
| Vision | VISION SERVICE PLAN | 187 | $41K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $18K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 9 | $5K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 189 | $33K |
| Other(3 contracts, 3 carriers) | AIG BENEFIT SOLUTIONS MEDICAL EXCESS | 189 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.