| 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 117474268 | UNITED HEALTHCARE INSURANCE COMPANY | $105K | — | $105K | 3.20% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | GUARDIAN | $15K | $10K | $25K | 9.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 13.02% |
| HUGH JEFFREY SNEDDON3 | 178 MYRTLE BLVD STE 106 LARCHMONT, NY 105382048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $34 | $6K | 12.38% |
| MICHAEL A BOOK3 | 90 PARK AVE FL 17 NEW YORK, NY 100161373 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $634 | $2K | 3.98% |
| 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 | $3K | $224 | $3K | 7.66% |
| THOMPSON FLANAGAN BENEFITS GROUP3 Filed as: THOMPSON FLANAGAN BENEFITS | 626 WEST JACKSON BOULEVARD, STE 500 CHICAGO, IL 60661 | FEDERAL INSURANCE COMPANY | $222 | $9 | $231 | 15.64% |
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) | UNITED HEALTHCARE INSURANCE COMPANY | 329 | $3.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 226 | $99K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 216 | $294K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 235 | $259K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 216 | $309K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.