| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | UNKNOWN NEW YORK, NY 10036 | HEALTH PLAN OF NEVADA | $8K | $0 | $8K | 2.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | P O BOX 3018 BOTHELL, WA 98041 | AETNA LIFE INSURANCE COMPANY | $0 | $139 | $139 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 8.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $411 | $2K | 17.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 777 COMMERCE DRIVE FAIRFIELD, CT 06825 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $178 | $0 | $178 | 1.53% |
| NMP PLANNING CO. INC3 | 11835 QUEENS BOULEVARD, SUITE 1230 FOREST HILLS, NY 11375 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | $0 | $31 | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $532 | $181 | $713 | 21.05% |
| THE WORKSITE GROUP LLC3 | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $112 | $102 | $214 | 6.32% |
| MJ INSURANCE3 Filed as: BRAD BIEL & VARIOUS AGENTS | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $52 | $119 | 3.51% |
| PATRICIA MARTINEZ3 | 9572 WORLD CUP DRIVE LAS VEGAS, NV 89117 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $78 | $10 | $88 | 2.60% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $36 | $59 | 1.74% |
| WILBER MARTINEZ3 | 3604 BLUELAKE AVENUE LAS VEGAS, NV 89116 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $46 | $0 | $46 | 1.36% |
| SILVIA FONSECA3 | 1298 CRESCENT AVENUE ROSELLE, NJ 07203 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $23 | $0 | $23 | 0.68% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 167 | $1.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 241 | $159K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 19 | $12K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 19 | $12K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 167 | $1.4M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 19 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.