| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOC. INC. | 461 PANTIGO RD EAST HAMPTON, NY 11937 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $150K | — | $150K | 2.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOC. INC. | 461 PANTIGO RD EAST HAMPTON, NY 11937 | EMPIRE HEALTHCHOICE HMO | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOC. INC. | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | GUARDIAN | $12K | $6K | $18K | 5.55% |
| THE MAXON COMPANY5 Filed as: THE MAXON COMPANIES | 76 NORTH BROADWAY IRVINGTON, NY 10533 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $15K | $15K | 7.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOC. INC. | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOC. INC. | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | MUTUAL OF OMAHA INSURANCE COMPANY | $624 | — | $624 | 10.00% |
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 | 495 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC | 495 | $6.4M |
| Dental | GUARDIAN | 370 | $325K |
| Vision | GUARDIAN | 370 | $325K |
| Life insurance | GUARDIAN | 370 | $325K |
| Short-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 871 | $204K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 9 | $14K |
| Other | GUARDIAN | 370 | $325K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.