| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $11K | $6K | $16K | 7.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 7.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $676 | $0 | $676 | 9.36% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $321 | $54 | $375 | 5.19% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $49 | $10 | $59 | 0.82% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.37% |
| C & L REED ASSOCIATES LLC3 Filed as: C AND L REED ASSOCIATES LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.29% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E LUBELSKY & OTHER AGENTS | 80 JOHN STREET, APARTMENT 11C NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | $0 | $20 | 0.28% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DRIVE WEST ORANGE, NJ 07052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.14% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $0 | $300 | $300 | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | FEDERAL INSURANCE COMPANY | $225 | $0 | $225 | 15.00% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $108 | $76 | $184 | 84.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $114 | $0 | $114 | 52.53% |
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 | 91 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $167K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 202 | $167K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 91 | $204K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 91 | $204K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 91 | $204K |
| Other(4 contracts, 4 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 91 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.