| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 120 EAGLE ROCK AVENUE, SUITE 195 EAST HANOVER, NJ 07936 | FIRST UNUM LIFE INSURANCE COMPANY | $295K | $19K | $314K | 13.36% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $10K | $0 | $10K | 1.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1667 ELM STREET, SUITE 3 MANCHESTER, NH 03101 | VISION SERVICE PLAN | $10K | $0 | $10K | 1.58% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 120 EAGLE ROCK AVENUE, SUITE 195 EAST HANOVER, NJ 07936 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | $0 | $23K | 7.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $7K | $2K | $9K | 8.51% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 120 EAGLE ROCK AVENUE, SUITE 195 EAST HANOVER, NJ 07936 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $4K | $0 | $4K | 3.51% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SE GRAND RAPIDS, MI 49503 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.02% |
| UNKNOWN3 | UNKNOWN NEW YORK, NY 10022 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $0 | $148 | $148 | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $288 | $0 | $288 | 4.91% |
| KAYE INSURANCE ASSOCIATES INC3 Filed as: KAYE INSURANCE ASSOCIATES, INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $59 | $59 | 1.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS HIGHWAY, SUITE 210N HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.07% |
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 | 2,180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 85 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 50 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $300K |
| Dental | AETNA LIFE INSURANCE COMPANY | 421 | $60K |
| Vision | VISION SERVICE PLAN | 3,863 | $636K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 1,982 | $2.3M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 1,982 | $2.3M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $9K |
| Other(4 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 2,180 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,863 | — |
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.