| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, INC. | 350 HUDSON STREET 4TH FL NEW YORK, NY 10014 | OXFORD HEALTH INSURANCE, INC. | $20K | $0 | $20K | 0.33% |
| CAMMACK HEALTH LLC3 | ONE BATTERY PARK PLAZA 6TH FL NEW YORK, NY 10004 | OXFORD HEALTH INSURANCE, INC. | $11K | $0 | $11K | 0.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 117972902 | AETNA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HWY STE 210N HAUPPAUGE, NY 117883056 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5K | $901 | $6K | 10.76% |
| CORPORATE CONSULTING SVCS INC3 Filed as: CORPORATE CONSULTING SVCS LTD | 605 3RD AVE. FL 24 NEW YORK, NY 10158 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $615 | $0 | $615 | 1.78% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGCY, LLC | 250 PEHLE AVE. STE 400 SADDLE BROOK, NJ 07663 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $295 | $0 | $295 | 0.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HWY STE 210N HAUPPAUGE, NY 117883056 | COMPANION LIFE INSURANCE COMPANY | $1K | $452 | $2K | 14.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HWY STE 210N HAUPPAUGE, NY 117883056 | MUTUAL OF OMAHA INSURANCE COMPANY | $26 | $9 | $35 | 16.75% |
| CORPORATE CONSULTING SVCS INC3 Filed as: CORPORATE CONSULTING SVCS LTD | 605 3RD AVE. FL 24 NEW YORK, NY 10158 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL NORTHEAST LIMITED | Insurance agents and brokers Service code 22 | PO BOX 3018 BOTHEL, WA 98041 | $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 | 406 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 684 | $6.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 680 | $254K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 519 | $45K |
| Long-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 243 | $51K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 239 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.