| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $205K | $205K | 2.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | $2K | $45K | 10.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $5K | $0 | $5K | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | $0 | $6K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LASALLE STREET 20TH FLOOR CHICAGO, IL 60601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $301 | $301 | 0.75% |
| ERIC T FREEDMAN3 | 23061 VIA STEL BOCA RATON, FL 33433 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.81% |
| BOBUD ASSOCIATES INC3 Filed as: BOBUD ASSOCIATES, INC. | 21 STONY GATE OVAL NEW ROCHELLE, NY 10804 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $381 | $458 | $839 | 2.75% |
| MICHAEL S SCHWARTZ4 Filed as: MICHAEL S. SCHWARTZ | 34 DRYDEN ROAD NEW CASTLE, DE 19720 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $328 | $0 | $328 | 9.28% |
| ANGEL L PINEIRO JR4 | 4 WHIPPOORWILL DRIVE SAYLORSBURG, PA 18353 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $190 | $0 | $190 | 5.37% |
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 | 575 | 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) | 575 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 533 | $8.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 966 | $441K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 966 | $441K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 575 | $71K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 504 | $40K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 504 | $40K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 533 | $8.9M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 504 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 966 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.