| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REMEDY ANALYTICS INC3 Filed as: REMEDY ANALYTICS | PO BOX 631 NEW CANAAN, CT 06840 | ANTHEM INSURANCE COMPANIES, INC. | — | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 4047 CONCORD, CA 94524 | ANTHEM INSURANCE COMPANIES, INC. | — | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPT. 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $9K | $22K | 2.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $9K | $16K | 2.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS 4TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 1.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS 4TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | — | $19K | 6.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | EMPLOYEE BENEFITS DEPT. 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $4K | $16K | 5.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD ATTN KATHY FIEDORYSZYN WOODBURY, NY 11797 | METROPOLITAN GENERAL INSURANCE COMPANY | $9K | $1K | $10K | 9.43% |
| KAYE INSURANCE ASSOCIATES INC3 | 330 MADISON AVENUE 7TH FLOOR NEW YORK, NY 10017 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $65 | $65 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | — | $8K | $8K | 7.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $2K | $7K | 7.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPT. 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | FIRST UNUM LIFE INSURANCE COMPANY | $561 | $1K | $2K | 1.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | — | $6K | $6K | 12.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $1K | $4K | 7.03% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | — | $7K | $7K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BLVD 14TH FLOOR CHICAGO, IL 60604 | ACE AMERICAN INSURANCE COMPANY | — | $6K | $6K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | UNUM INSURANCE COMPANY | — | $2K | $2K | 7.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPT. 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $1K | $724 | $2K | 6.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS 4TH FLOOR NEW YORK, NY 10018 | UNUM INSURANCE COMPANY | $1K | — | $1K | 5.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | UNUM INSURANCE COMPANY | — | $633 | $633 | 2.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPT. 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $1K | $661 | $2K | 7.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | UNUM INSURANCE COMPANY | $1K | $483 | $2K | 7.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | UNUM INSURANCE COMPANY | — | $1K | $1K | 6.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $241 | $86 | $327 | 1.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N. LA SALLE STREET FLOOR 20 CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $302 | — | $302 | 1.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FL 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $166 | — | $166 | 1.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 401 BROADHOLLOW ROAD, STE 200 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $132 | — | $132 | 1.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FL 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $55 | — | $55 | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 401 BROADHOLLOW ROAD, STE 200 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $43 | — | $43 | 1.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FL 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $55 | — | $55 | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 401 BROADHOLLOW ROAD, STE 200 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $43 | — | $43 | 1.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FL 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $27 | — | $27 | 1.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 401 BROADHOLLOW ROAD, STE 200 MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $22 | — | $22 | 1.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N. LA SALLE STREET FLOOR 20 CHICAGO, IL 60601 | DELTA DENTAL OF NEW YORK | $22K | — | $22K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 5 BRYANT PARK, 4TH FLOOR NEW YORK, NY 10018 | DELTA DENTAL OF NEW YORK | $15K | — | $15K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BLVD 14TH FLOOR CHICAGO, IL 60604 | ACE AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ACE AMERICAN INSURANCE COMPANY | $0 | — | $0 | — |
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 | 1,959 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,154 | $36K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 3,928 | $2.1M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,918 | $758K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 120 | $51K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,918 | $758K |
| Stop-loss / reinsurancereinsurance | ANTHEM INSURANCE COMPANIES, INC. | 3,928 | $2.1M |
| Other(7 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 491 | $592K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,154 | — |
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.