| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $11K | $32K | $43K | 1.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUN INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $976 | $0 | $976 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $9K | $28K | 17.12% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 641 | $4.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 641 | $4.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 641 | $4.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $166K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $166K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 641 | $4.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 302 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 641 | — |
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.