| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK MARAN & ASSOC | 461 PANTIGO RD EAST HAMPTON, NY 11937 | EMPIRE HEALTHCHOICE | $18K | — | $18K | 2.07% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK MARAN & ASSOCIATES | 461 PANTIGO RD EAST HAMPTON, NY 11937 | EMPIRE HEALTHCHOICE HMO, INC | $17K | — | $17K | 1.90% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK MARAN & ASSOCIATES INC | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | GUARDIAN LIFE INSURANCE COMPANY | $13K | $6K | $20K | 9.24% |
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 | 203 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE | 96 | $1.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 203 | $214K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 203 | $214K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 203 | $214K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.