| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 3390 UNIVERSITY AVENUE SUITE 300 RIVERSIDE, CA 92501 | BLUE CROSS OF CALIFORNIA | $73K | $9K | $82K | 5.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2393 TOWNSGATE ROAD SUITE 101 WESTLAKE, CA 91361 | AFLAC | $1K | $0 | $1K | 5.86% |
| MJ INSURANCE3 Filed as: BRIAN JAEGGI AND VARIOUS AGENTS | 15607 W LILLI WAY VAN NUYS, CA 91406 | AFLAC | $712 | $192 | $904 | 3.82% |
| RENEE SUZANNE CORSO3 Filed as: RENEE CORSO | 5805 SEPULVEDA BOULEVARD SUITE 700 SHERMAN OAKS, CA 91411 | AFLAC | $533 | $32 | $565 | 2.39% |
| YOLANDA JOY RICHMAN3 Filed as: YOLANDA RICHMAN | 10000 NEVADA BOULEVARD CHATSWORTH, CA 91311 | AFLAC | $374 | $0 | $374 | 1.58% |
| NASHINA BUSH3 | 16161 VENTURA BOULEVARD #421 ENCINO, CA 91436 | AFLAC | $268 | $0 | $268 | 1.13% |
| AMY EVANS3 | 14358 MAGNOLIA BOULEVARD APT 103 SHERMAN OAKS, CA 91423 | AFLAC | $228 | $0 | $228 | 0.96% |
| AVANT-GARDE INSURANCE SOLUTIONS3 | 2910 NEILSON WAY UNIT 410 SANTA MONICA, CA 90405 | AFLAC | $153 | $0 | $153 | 0.65% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS OF CALIFORNIA | 199 | $1.4M |
| Dental | BLUE CROSS OF CALIFORNIA | 199 | $1.4M |
| Vision | BLUE CROSS OF CALIFORNIA | 199 | $1.4M |
| Life insurance | BLUE CROSS OF CALIFORNIA | 199 | $1.4M |
| Short-term disability | AFLAC | 19 | $24K |
| Prescription drug | BLUE CROSS OF CALIFORNIA | 199 | $1.4M |
| Other | BLUE CROSS OF CALIFORNIA | 199 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.