| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | OXFORD | $71K | — | $71K | 4.05% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK MARAN & ASSOCIATES | 400 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | OXFORD | $65K | — | $65K | 4.07% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK MARAN & ASSOCIATES INC | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | GUARDIAN LIFE INSURANCE COMPANY | $15K | $5K | $20K | 7.94% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK, MARAN & ASSOCIATES, INC. | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | EMBLEM HEALTH | $8K | — | $8K | 3.97% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: COOK MARAN & ASSOC | 461 PANTIGO RD EAST HAMPTON, NY 11937 | EMPIRE HEALTHCHOICE | $3K | — | $3K | 2.00% |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | OXFORD | 197 | $3.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 221 | $257K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 221 | $257K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 221 | $257K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 221 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.