| 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 | $111K | — | $111K | 3.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | GUARDIAN | $15K | $11K | $26K | 10.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.40% |
| SNEDDON HUGH JEFFREY3 | 178 MYRTLE BLVD STE 106 LARCHMONT, NY 105382048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $6K | $15K | 25.43% |
| BOOK MICHAEL A3 Filed as: BOOK, MICHAEL A | 530 5TH AVE FL 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $2K | $4K | 6.96% |
| 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 | 6.33% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN | 626 WEST JACKSON BOULEVARD, STE 500 CHICAGO, IL 60661 | 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 | 249 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 341 | $2.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 205 | $99K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 225 | $291K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 249 | $255K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 225 | $312K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 341 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.