| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS GLOBAL INSURANCE SERVICES LLC3 | 444 MADISON AVE 18TH FLOOR NEW YORK, NY 10022 | HARTFORD LIFE AND ACCIDENT | $178K | — | $178K | 6.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | ZURICH NORTH AMERICAN INSURANCE COMPANY | $257K | — | $257K | 10.01% |
| LYONS GLOBAL INSURANCE SERVICES LLC3 | 444 MADISON AVE 18TH FLOOR NEW YORK, NY 10022 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 3.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 401 BROADHOLLOW ROAD STE 200 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $26K | — | $26K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | — | $12K | $12K | 3.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LEADING EDGE ADMINISTRATORS EIN 81-2707118 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 14 WALL STREET SUITE 5B NEW YORK, NY 10005 | $1.6M |
| GBS EIN 52-1200892 CLAIMS ADMINISTRATOR | Claims processing Service code 12 | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | $976K |
| EXPRESS SCRIPTS, INC EIN 43-1420563 RX ADMINISTRATOR | Claims processing Service code 12 | 1 EXPRESS WAY ST LOUIS, MO 63121 | $641K |
| DELTA DENTAL OF NEW JERSEY EIN 22-1896118 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator; Participant communication; Other services Service code 12 | — | $231K |
| BENEFITS CONNECT EIN 27-1207016 ONLINE BENEFITS VENDOR | Recordkeeping fees Service code 64 | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | $210K |
| PAYFLEX- INSPIRA FINANCIAL EIN 91-1774434 HSA ADMINISTRATION | Recordkeeping fees Service code 64 | PO BOX 2239 OMAHA, NE 681032239 | $172K |
| PAYFLEX EIN 27-2036736 FSA VENDOR | Recordkeeping fees Service code 64 | 1200 RIVER AVENUE SUITE 10E LAKEWOOD, NJ 08701 | $104K |
| OPTUM FINANCIAL, INC EIN 47-0858530 RX ADMINISTRATOR | Claims processing Service code 12 | PO BOX 84019 CHICAGO, IL 606894019 | $41K |
| M&T BANK EIN 16-0968385 BANKING SERVICES | Other fees Service code 99 | PO BOX 62678 BALTIMORE, MD 21264 | $12K |
| BERRY DUNN EIN 01-0523282 ACCOUNTNG SERVICES | Accounting (including auditing) Service code 10 | — | $12K |
| RAWLINGS COMPANY EIN 84-1800886 CLAIMS ADMINISTRATOR | Other services; Participant communication; Claims processing; Contract Administrator Service code 12 | PO BOX 14020 LEXINGTON, KY 40512 | $11K |
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 | 5,710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,747 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 5,953 | $1.7M |
| Vision | AETNA LIFE INSURANCE CO. | 6,163 | $249K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 5,611 | $2.8M |
| Short-term disability(3 contracts) | HARTFORD LIFE AND ACCIDENT | 5,611 | $3.7M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 5,611 | $2.8M |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 3,668 | $2.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 5,611 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,163 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.