| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | 3475 E. FOOTHILL BLVD. SUITE 100 PASADENA, CA 91107 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $12K | — | $12K | 0.94% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $8K | — | $8K | 0.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON INSURANCE SERVICES LLC | P.O. BOX 6030 PASADENA, CA 911026030 | UNITEDHEALTHCARE INSURANCE COMPANY | $75K | — | $75K | 6.70% |
| LOCKTON COMPANIES, LLC3 | LOCTON DUNNING P.O. BOX 123042 DALLAS, TX 753123042 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 4.89% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | DEARBORN LIFE INSURANCE COMPANY | $54K | $8K | $62K | 14.75% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | $3 | $5K | 1.11% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN, INC. | $2K | — | $2K | 0.54% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | KAISER FOUNDATION HEALTH PLAN, INC | $5K | $1 | $5K | 4.03% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET SUITE 3400 CHICAGO, IL 60661 | KAISER FOUNDATION HEALTH PLAN, INC | $1K | — | $1K | 0.81% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | BLUECROSS BLUESHIELD OF ILLINOIS | $754 | $175 | $929 | 1.95% |
| IMA, INC.3 | P.O. BOX 6030 PASADENA, CA 911026030 | VISION SERVICE PLAN | $2K | — | $2K | 3.80% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 123042 DALLAS, TX 75312 | VISION SERVICE PLAN | $1K | — | $1K | 2.21% |
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 | 459 | 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) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 512 | $3.0M |
| Vision | VISION SERVICE PLAN | 312 | $45K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 458 | $421K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 458 | $421K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 458 | $421K |
| Prescription drug(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 512 | $3.0M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 458 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.