| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES | 3475 E FOOTHILL BLVD. PASADENA, CA 91107 | CALIFORNIA PHYSICIANS SERVICE | $7K | $102K | $109K | 2.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | CALIFORNIA PHYSICIANS SERVICE | $4K | $65K | $69K | 1.54% |
| IMA, INC.3 | 1550 17TH STREET DENVER, CO 80202 | CALIFORNIA PHYSICIANS SERVICE | $2K | $34K | $36K | 0.81% |
| IMA, INC.3 Filed as: IMA INC. | 3475 E FOOTHILL BLVD. PASADENA, CA 91107 | KAISER FOUNDATION HEALTH PLAN INC. | $30K | — | $30K | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | KAISER FOUNDATION HEALTH PLAN INC. | $15K | — | $15K | 1.52% |
| IMA, INC.3 Filed as: IMA INC. | 3475 E FOOTHILL BLVD. PASADENA, CA 91107 | GUARDIAN | $11K | $5K | $15K | 11.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | GUARDIAN | $8K | $428 | $8K | 5.93% |
| IMA, INC.3 Filed as: IMA INC. | 3475 E FOOTHILL BLVD. PASADENA, CA 91107 | KAISER FOUNDATION HEALTH PLAN INC. | $2K | — | $2K | 2.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | KAISER FOUNDATION HEALTH PLAN INC. | $1K | — | $1K | 1.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES | 3475 E FOOTHILL BLVD. PASADENA, CA 91107 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $1K | — | $1K | 7.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DICKERSON EMPLOYEE BENEFITS | 1918 RIVERSIDE DRIVE LOS ANGELES, CA 90039 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $858 | — | $858 | 4.94% |
| IMA, INC.3 | 1550 17TH STREET DENVER, CO 80202 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | $429 | — | $429 | 2.47% |
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 | 410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 272 | $5.6M |
| Dental | CALIFORNIA PHYSICIANS SERVICE | 272 | $4.5M |
| Vision(2 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 410 | $4.6M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 481 | $154K |
| Prescription drug(3 contracts, 2 carriers) | CALIFORNIA PHYSICIANS SERVICE | 272 | $5.6M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 481 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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.