| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1393 VETERANS MEMORIAL HWY SUITE 210N HAUPPAUGE, NY 11788 | TRU SERVICES, LLC | $39K | — | $39K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD-EB | 1393 VETERANS MEMORIAL HWY SUITE 210N HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | $20K | — | $20K | 10.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HWY SUITE 210N HAUPPAUGE, NY 11788 | U.S. FIRE INSURANCE COMPANY | $6K | — | $6K | 7.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1393 VETERANS MEMORIAL HWY SUITE 210N HAUPPAUGE, NY 11788 | HEALTHPLEX, INC | $11K | — | $11K | 27.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 5 BRYANT PARK/1065 AVE OF AMERICAS 4TH FLOOR NEW YORK, NY 10018 | DELTA DENTAL OF NJ, INC | $898 | — | $898 | 2.40% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HEALTHPLEX, INC | 174 | $76K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 427 | $182K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 427 | $182K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | TRU SERVICES, LLC | 220 | $476K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 427 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.