| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS. INC. | 4371 LATHAM STREET, SUITE 101 RIVERSIDE, CA 92501 | CALIFORNIA PHYSICIANS SERVICE | $525 | $316K | $316K | 4.14% |
| DIGITAL INSURANCE LLC3 | UNKNOWN BURBANK, CA 91505 | DELTA DENTAL OF CALIFORNIA | $31K | $0 | $31K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS. INC. | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36K | $0 | $36K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS. INC. | 9595 WILSHIRE BOULEVARD, SUITE 801 BEVERLY HILLS, CA 90212 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $23K | $23K | 6.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS. INC. | 2393 TOWNSGATE ROAD, SUITE 101 WESTLAKE VILLAGE, CA 91361 | AFLAC | $10K | — | $10K | 7.37% |
| RICHARD J KUNZ3 Filed as: RICHARD J. KUNZ AND OTHER AGENTS | 601 MONTGOMERY STREET SUITE 1475 SAN FRANCISCO, CA 94111 | AFLAC | $6K | $315 | $6K | 4.27% |
| DINORAH ROSSANA DEVALLY3 | 361 MISTY TRAILS PLACE SIMI VALLEY, CA 93065 | AFLAC | $3K | $77 | $3K | 1.95% |
| YOLANDA JOY RICHMAN3 | 10000 NEVADA AVENUE CHATSWORTH, CA 91311 | AFLAC | $2K | $144 | $2K | 1.53% |
| AMY EVANS3 | 14358 MAGNOLIA BOULEVARD APARTMENT 103 SHERMAN OAKS, CA 91423 | AFLAC | $2K | $0 | $2K | 1.45% |
| AMY EVANS3 | 4932N NORTH MAYWOOD AVENUE LOS ANGELES, CA 90041 | AFLAC | $1K | $0 | $1K | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS | 2029 CENTURY PARK EAST, SUITE 210 LOS ANGELES, CA 90067 | AFLAC | $649 | $0 | $649 | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $11K | — | $11K | 8.94% |
| DIGITAL INSURANCE LLC3 | UNKNOWN BURBANK, CA 91505 | DELTA DENTAL OF CALIFORNIA | $5K | $0 | $5K | 10.00% |
| DIGITAL INSURANCE LLC3 | UNKNOWN BURBANK, CA 91505 | DELTA DENTAL OF CALIFORNIA | $2K | $0 | $2K | 6.00% |
| UNKNOWN3 | UNKNOWN BURBANK, CA 91505 | HOLMAN PROFESSIONAL COUNSELING CENTERS | $994 | $0 | $994 | 5.00% |
| DIGITAL INSURANCE LLC3 | UNKNOWN BURBANK, CA 91505 | DELTA DENTAL OF CALIFORNIA | $403 | $0 | $403 | 6.00% |
| CHRISTA G AUFDEMBERG INC4 Filed as: CHRISTA G. AUFDEMBER INC. | 13102 BRITTANY WOODS DRIVE TUSTIN, CA 92780 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $240 | $0 | $240 | 5.52% |
| SANDRA SIMS4 Filed as: SANDRA ALLEN | 501 AGUA PLACE SEAL BEACH, CA 90740 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $107 | $0 | $107 | 2.46% |
| PAULA A LONDONO4 Filed as: PAULA A. LONDONO | 20336 DOROTHY STREET SAUGUS, CA 91350 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $87 | $0 | $87 | 2.00% |
| AMY EVANS4 | 1751 COLORADO BOULEVARD LOS ANGELES, CA 90041 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $23 | $0 | $23 | 0.53% |
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 | 759 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CALIFORNIA PHYSICIANS SERVICE | 1,303 | $7.6M |
| Dental(4 contracts) | DELTA DENTAL OF CALIFORNIA | 1,039 | $603K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,390 | $125K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 759 | $358K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 759 | $358K |
| Prescription drug | CALIFORNIA PHYSICIANS SERVICE | 1,303 | $7.6M |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 760 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,390 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.