| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS MEMORIAL HIGHWAY SUITE 201N HAUPPAUGE, NY 11788 | GERBER LIFE INSURANCE COMPANY | $34K | — | $34K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS MEMORIAL HIGHWAY SUITE 201N HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | $30K | $6K | $36K | 13.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 5 BRYANT PARK 1065 AVENUE OF AMERICAS, 4TH FLOOR NEW YORK, NY 10018 | DELTA DENTAL OF NJ, INC | $1K | — | $1K | 2.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS MEMORIAL HIGHWAY SUITE 201N HAUPAUGGE, NY 11788 | HEALTHPLEX | $4K | — | $4K | 12.87% |
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 | 218 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC | 188 | $89K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 535 | $260K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 535 | $260K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 279 | $342K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 535 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.