| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | UNITEDHEALTHCARE INSURANCE COMPANY | $20K | — | $20K | 3.42% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 117972530 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.55% |
| HUD INTERNATIONAL NE LTD3 Filed as: HUD INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.53% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 117972530 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.42% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W SUITE 16 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | — | $117 | $117 | 0.22% |
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 | 129 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 51 | $591K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $53K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $53K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.