| 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 | $16K | — | $16K | 1.26% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK MARAN & ASSOCIATES | 461 PANTIGO RD EAST HAMPTON, NY 11937 | EMPIRE HEALTHCHOICE HMO, INC | $19K | — | $19K | 1.79% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK, MARAN & ASSOCIATES, INC. | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | EMBLEM HEALTH | $44K | — | $44K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK MARAN & ASSOCIATES INC | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | GUARDIAN LIFE INSURANCE COMPANY | $14K | $10K | $23K | 10.32% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK MARAN & ASSOCIATES | 461 PANTIGO RD EAST HAMPTON, NY 11937 | FIRST UNUM LIFE INSURANCE | $418 | — | $418 | 15.00% |
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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | EMPIRE HEALTHCHOICE | 132 | $3.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 219 | $226K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 219 | $226K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 219 | $226K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 219 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.