| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERNESTO GONZALEZ3 Filed as: ERNESTO GONZALEZ INSURANCE | 1618 SANTILLAN AVENUE SANTA MARIA, CA 93458 | AFLAC | $12K | $124 | $12K | 11.74% |
| TERRY L. IAVICOLI3 | 220 RUTH ANN WAY ARROYO GRANDE, CA 93420 | AFLAC | $10K | $622 | $10K | 10.09% |
| MJ INSURANCE3 Filed as: SCOTT BLACKSHEAR AND VARIOUS AGENTS | 3453 CATHRYN DRIVE COLUMBUS, GA 31906 | AFLAC | $2K | $0 | $2K | 1.98% |
| DAWN T SUCHECKI3 Filed as: DAWN M TYACK | 582 CAMINO MERCADO ARROYO GRANDE, CA 93420 | AFLAC | $1K | $0 | $1K | 1.01% |
| DANIEL COLE3 Filed as: DANIEL B. COLE | 5558 CALIFORNIA AVENUE BAKERSFIELD, CA 93309 | AFLAC | $762 | $0 | $762 | 0.74% |
| MICHAEL W. ATTERBERRY3 Filed as: MICHAEL JOHN LIZALDE | 1995 MINDA DRIVE EUGENE, OR 97401 | AFLAC | $415 | $0 | $415 | 0.40% |
| KAREN LEE LINDSEY3 | 4465 NOTTINGHAM DRIVE SANTA MARIA, CA 93455 | AFLAC | $356 | $0 | $356 | 0.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2560 PROFESSIONAL PARKWAY SANTA MARIA, CA 93455 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $0 | $9K | 9.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | UNITED CONCORDIA INSURANCE COMPANY | $0 | $5K | $5K | 4.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $928 | $0 | $928 | 6.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2560 PROFESSIONAL PARKWAY SANTA MARIA, CA 93455 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $719 | $0 | $719 | 62.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $358 | $358 | 31.32% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 100 | $99K |
| Vision | VISION SERVICE PLAN | 79 | $15K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 121 | $104K |
| Other(2 contracts, 2 carriers) | AFLAC | 121 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.