| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1393 VETERANS MEMORIAL HWY STE210N HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $13K | $53K | 3.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $41K | $9K | $50K | 7.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1393 VETERANS MEMORIAL HWY STE210N HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $7K | $45K | 8.23% |
| CHRISTOPHER S. BRADY3 | 1393 VETERANS MEMORIAL HWY STE210N HAUPPAUGE, NY 11788 | UNITED STATES LIFE INSURANCE COMPANY | $17K | — | $17K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1393 VETERANS MEMORIAL HWY STE210N HAUPPAUGE, NY 11788 | COMBINED INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 5.47% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 1086 TEANECK RD. SUITE 5B TEANECK, NJ 07666 | CHUBB - FEDERAL INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 1,192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 170 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 2,369 | $5.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,150 | $1.4M |
| Vision | COMBINED INSURANCE COMPANY OF NEW YORK | 1,200 | $95K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,477 | $790K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 942 | $686K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY | 2,369 | $5.1M |
| Other | CHUBB - FEDERAL INSURANCE COMPANY | 1,232 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,369 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.