| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | AETNA LIFE INSURANCE COMPANY | $154K | $88 | $154K | 3.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES, INC. | 40 MARCUS DRIVE MELVILLE, NY 11747 | THE PAUL REVERE LIFE INSURANCE COMPANY | $661 | $0 | $661 | 2.47% |
| VENESSA N DEAN3 Filed as: VENESSA N. DEAN | 3555 SOUTH OCEAN BOULEVARD SOUTH PALM BEACH, FL 33480 | THE PAUL REVERE LIFE INSURANCE COMPANY | $550 | $0 | $550 | 2.05% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E. BERG | 319 THOMASTON ROAD WATERTOWN, CT 06795 | THE PAUL REVERE LIFE INSURANCE COMPANY | $242 | $0 | $242 | 0.90% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $101 | $0 | $101 | 0.38% |
| ROSEANN REYNOLDS3 | 163 CEDAR STREET BRANFORD, CT 06405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.09% |
| PENELOPE ELLEN DEAN3 | 3555 SOUTH OCEAN BOULEVARD SUITE 215 SOUTH PALM BEACH, FL 33480 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.19% |
| VENESSA N DEAN3 Filed as: VENESSA N. DEAN | 3555 SOUTH OCEAN BOULEVARD SOUTH PALM BEACH, FL 33480 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $28 | $0 | $28 | 1.90% |
| DAVID L FLEURY3 Filed as: DAVID L. FLEURY | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4 | $0 | $4 | 0.27% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E. BERG | 319 THOMASTON ROAD WATERTOWN, CT 06795 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES, INC. | 40 MARCUS DRIVE MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $88 | $0 | $88 | 6.28% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 398 | $4.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 398 | $4.2M |
| Vision | VISION SERVICE PLAN | 143 | $24K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 398 | $4.2M |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 21 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.