| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | PO BOX 3310 SANTA BARBARA, CA 93130 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | $0 | $55K | 5.00% |
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INSURANCE SOLUTIONS INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS, INC. | PO BOX 2158 RIVERSIDE, CA 92516 | PRINCIPAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 NORTH LA SALLE DRIVE 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.79% |
| TERRY L. IAVICOLI3 | 220 RUTH ANN WAY ARROYO GRANDE, CA 93420 | AFLAC | $10K | $404 | $11K | 9.75% |
| MJ INSURANCE3 Filed as: MICHAEL LIZALDE AND VARIOUS AGENTS | 1955 MINDA DRIVE EUGENE, OR 97401 | AFLAC | $3K | $0 | $3K | 2.46% |
| DAWN T SUCHECKI3 Filed as: DAWN M. TYACK | 582 CAMINO MERCADO ARROYO GRAND, CA 93420 | AFLAC | $2K | $81 | $2K | 1.50% |
| COLE & COLE INS SVCS LLC3 Filed as: COLE AND COLE INS. SERVICES LLC | 5558 CALIFORNIA AVENUE, SUITE 320 BAKERSFIELD, CA 93309 | AFLAC | $715 | $0 | $715 | 0.66% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE INS. SVCS. INC. | 3420 ORCUTT ROAD, SUITE 206B SANTA MARIA, CA 93455 | AFLAC | $446 | $70 | $516 | 0.48% |
| MJ INSURANCE Filed as: ERNES T. GONZALEZ | 22720 CANYON VIEW DRIVE CORNOA, CA 92883 | AFLAC | $445 | $0 | $445 | 0.41% |
| DANIEL VORDALE INS SVCS INC3 Filed as: DANIEL VORDALE INS. SVCS. INC. | 3420 ORCUTT ROAD, SUITE 206B SANTA MARIA, CA 93455 | AFLAC | $336 | $11 | $347 | 0.32% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 228 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $131K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $131K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $239K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 272 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.