| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $90K | $90K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LTD | 777 COMMERCE DRIVE FAIRFIELD, CT 06825 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $8K | $14K | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LTD | 180 RIVER ROAD SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $3K | $12K | 7.41% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LTD | 180 RIVER ROAD SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $2K | $10K | 11.77% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LTD | 180 RIVER ROAD SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $868 | $3K | 6.63% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LTD | 180 RIVER ROAD SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $340 | $5K | 14.96% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | VISION SERVICE PLAN | $1K | — | $1K | 4.63% |
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 | 571 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 598 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 354 | $3.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 275 | $271K |
| Vision | VISION SERVICE PLAN | 353 | $29K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 389 | $213K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 571 | $82K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 389 | $163K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 389 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.