| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNSIDE BLVD WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $70K | — | $70K | 4.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS MEMORIAL HWY HAUPPAUGE, NY 11788 | PRUDENTIAL | $7K | — | $7K | 5.98% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $24 | $24 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.43% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | EYE MED VISION CARE | $372 | — | $372 | 5.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERAN MEMORIAL HIGHWAY HAUPPAUGE, NY 11788 | EYE MED VISION CARE | $297 | — | $297 | 4.32% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 188 | $1.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 96 | $85K |
| Vision | EYE MED VISION CARE | 129 | $7K |
| Life insurance | PRUDENTIAL | 143 | $125K |
| Short-term disability | PRUDENTIAL | 143 | $125K |
| Long-term disability | PRUDENTIAL | 143 | $125K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 188 | $1.6M |
| Other | PRUDENTIAL | 143 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.