| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | CIGNA | $3K | $72K | $75K | 5.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HWY HAUPPAUGE, NY 11788 | PRUDENTIAL | $7K | — | $7K | 6.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS MEMORIAL HWY SUITE 210N HAUPPAUGE, NY 11788 | PRUDENTIAL | $3K | — | $3K | 2.46% |
| COMPSYCH5 | NBC TOWER 455 NORTH CITYFRONT PLAZA DRIVE CHICAGO, IL 60611 | PRUDENTIAL | — | $1K | $1K | 0.87% |
| IMG5 | 9200 KEYSTONE CROSSING SUITE 800 INDIANAPOLIS, IN 46208 | PRUDENTIAL | — | $27 | $27 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERAN MEMORIAL HIGHWAY HAUPPAUGE, NY 11788 | EYE MED VISION CARE | $256 | — | $256 | 4.03% |
| PPI BENEFIT SOLUTIONS5 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | EYE MED VISION CARE | $166 | — | $166 | 2.61% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMIN FEE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | NBC TOWER 455 NORTH CITYFRONT PLAZA DRIVE CHICAGO, IL 60611 | $0 |
| IMG EIN 35-1785962 THIRD PARTY ADMIN FEES | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 9200 KEYSTONE CROSSING SUITE 800 INDIANAPOLIS, IN 46208 | $0 |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 84 | $1.4M |
| Dental | CIGNA | 83 | $0 |
| Vision | EYE MED VISION CARE | 70 | $6K |
| Life insurance | PRUDENTIAL | 129 | $122K |
| Short-term disability | PRUDENTIAL | 129 | $122K |
| Long-term disability | PRUDENTIAL | 129 | $122K |
| Prescription drug | CIGNA | 84 | $1.4M |
| Other | PRUDENTIAL | 129 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.