| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 122 EAST 42ND STREET NEW YORK, NY 10168 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $185K | $0 | $185K | 2.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $16K | $0 | $16K | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 4.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMP | $9K | $0 | $9K | 7.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIOANL INS. SVCES., INC. | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | RELIANCE STANDARD LIFE INSURANCE COMP | $3K | $0 | $3K | 2.55% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP, LLC | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15K | $24K | $39K | 38.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22K | $0 | $22K | 21.35% |
| JAMES E CRUTCHFIELD3 Filed as: JAMES E CRUTCHFIELD AND VRS AGENTS | 960 BLOOMFIELD AVENUE GLEN RIDGE, NJ 07028 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $140 | $3K | 2.72% |
| CDC CONSULTING SERVICES INC3 Filed as: CDC CONSULTING SERVICES, INC. | 47 WESTERN AVENUE DEER PARK, NY 11729 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $383 | $3K | 2.71% |
| IRA EDENBAUM3 | ONE CARLETON DRIVE FREEHOLD, NJ 07728 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $116 | $2K | 1.59% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $35 | $1K | 1.28% |
| DENISE SPENCER3 | 890 BROADWAY BAYONNE, NJ 07002 | THE PAUL REVERE LIFE INSURANCE COMPANY | $938 | $0 | $938 | 0.92% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $118 | $950 | $1K | 67.81% |
| THE WORKSIGHT GROUP LLC3 Filed as: THE WORKSIGHT GROUP, LLC | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $186 | $271 | $457 | 29.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $384 | $38 | $422 | 26.79% |
| JAMES E CRUTCHFIELD3 Filed as: JAMES E. CRUTCHFIELD | 960 BLOOMFIELD AVENUE GLEN RIDGE, NJ 07028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | $2 | $75 | 4.76% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURTS, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $47 | $62 | 3.94% |
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 | 547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 549 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,049 | $7.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,007 | $397K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMP | 547 | $122K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMP | 547 | $122K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,049 | $7.1M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMP | 547 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,049 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.