| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL, SUITE 210N HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $157K | $0 | $157K | 3.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $13K | $9K | $22K | 6.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | DELTA DENTAL OF NEW JERSEY, INC | $8K | $0 | $8K | 2.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | KAISER FOUNDATION HEALTH PLAN INC | $5K | $0 | $5K | 4.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9K | $0 | $9K | 8.59% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $5K | $9K | 8.42% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $548 | $285 | $833 | 0.79% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $62 | $1 | $63 | 0.06% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $7 | $13 | 0.01% |
| RICHARD WILLIAM HARRINGTON3 | 3 POISSON STREET CUMBERLAND, RI 02864 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $3 | $12 | 0.01% |
| KIMBERLY ANNE CUNNINGHAM3 Filed as: KIMBERLY CUNNINGHAM & OTHER AGENTS | 266 FERRY LANDING CIRCLE PORTSMOUTH, RI 02871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $6 | $12 | 0.01% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 372 | $4.7M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 817 | $291K |
| Vision | STANDARD INSURANCE COMPANY | 372 | $339K |
| Life insurance | STANDARD INSURANCE COMPANY | 372 | $339K |
| Short-term disability | STANDARD INSURANCE COMPANY | 372 | $339K |
| Long-term disability | STANDARD INSURANCE COMPANY | 372 | $339K |
| Prescription drug(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 372 | $4.7M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 372 | $444K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 817 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.