| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | $57K | — | $57K | 1.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN CORP RISK ASSOCIATES INC | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | $43K | — | $43K | 1.43% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATES LLC | 1000 SOUTH AVENUE, SUITE 101 STATEN ISLAND, NY 10314 | OXFORD HEALTH INSURANCE, INC | $15K | — | $15K | 0.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC | — | $2K | $2K | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC | 1200 SOUTH AVE SUITE 302 STATEN ISLAND, NY 10314 | GUARDIAN | $15K | $10K | $25K | 9.17% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATES LLC | 1000 SOUTH AVENUE,SUITE 101 STATEN ISLAND, NY 10314 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 2.48% |
| SNEDDON HUGH JEFFREY3 | 178 MYRTLE BLVD STE 106 LARCHMONT, NY 105382048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | $1K | $12K | 15.99% |
| BOOK MICHAEL A3 Filed as: BOOK, MICHAEL A | 530 5TH AVE FL 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $3K | $6K | 7.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 5.91% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 11788 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $347 | — | $347 | 0.92% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATES LLC | 1000 SOUTH AVENUE,SUITE 101 STATEN ISLAND, NY 10314 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $277 | — | $277 | 0.73% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 11788 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $258 | — | $258 | 0.68% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVE 1ST FL FLORHAM PARK, NJ 07932 | FEDERAL INSURANCE COMPANY | $291 | — | $291 | 14.98% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 342 | $3.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 218 | $110K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 219 | $314K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 235 | $278K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 219 | $352K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 342 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.
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.