| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $96K | $13K | $108K | 3.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $7K | $16K | 6.86% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1391 VETERANS MEMORIAL HIGHWAY HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $3K | $10K | 10.53% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE, NY 11788 | SHELTERPOINT LIFE INSURANCE CO. | $5K | — | $5K | 8.91% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | VISION SERVICE PLAN | $2K | — | $2K | 4.95% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $1K | $3K | 8.24% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.32% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY | $1K | $283 | $2K | 21.31% |
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 | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 35 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 631 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 458 | $3.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 566 | $227K |
| Vision | VISION SERVICE PLAN | 359 | $48K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 107 | $35K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE CO. | 575 | $58K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 9 | $8K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 402 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 575 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.