| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $3K | $29K | 6.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.55% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $552 | $2K | 5.74% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E. LUBELSKY | 80 JOHN STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $484 | $11 | $495 | 1.38% |
| YOLANDA TRISTANCHO-HELWIG3 Filed as: YOLANDA HELWIG & OTHER AGENTS | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $281 | $0 | $281 | 0.78% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $238 | $1 | $239 | 0.67% |
| PAMELA SUSAN LEVY3 | 1-50 50TH AVENUE LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $149 | $20 | $169 | 0.47% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $118 | $0 | $118 | 0.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $837 | $0 | $837 | 8.14% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $305 | $126 | $431 | 4.19% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E. LUBELSKY | 80 JOHN STREET NEW YORK, NY 10038 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $96 | $2 | $98 | 0.95% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZELEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $0 | $60 | 0.58% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.46% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARTNERS LLC & OTHER AGENTS | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $1 | $46 | 0.45% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $31 | $0 | $31 | 0.30% |
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 | 290 | 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) | 290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 682 | $478K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 682 | $478K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 682 | $524K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 682 | $478K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 682 | $478K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 682 | $524K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.