| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $229K | $233K | 5.04% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 300 CONNELL DRIVE, SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $71K | $71K | 1.53% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | UNKNOWN WOODBURY, NY 11797 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $13K | $13K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | UNKNOWN MELVILLE, NY 11747 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 4.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | UNKNOWN MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $750 | $6K | 13.03% |
| GOLD SKY BENEFITS LLC3 | 4029 235TH STREET DOUGLASTON, NY 11363 | METROPOLITAN LIFE INSURANCE COMPANY | -$37 | $0 | -$37 | -0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | METROPOLITAN LIFE INSURANCE COMPANY | -$504 | $0 | -$504 | -1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN GENERAL INSURANCE COMPANY | $672 | $84 | $756 | 10.43% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 469 | $4.6M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 309 | $253K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 469 | $4.6M |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 309 | $253K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 309 | $253K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 309 | $253K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 469 | $4.6M |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 309 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.