| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC. | 333 WESTCHESTER AVE SUITE 102 WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | — | $14K | $14K | 1.22% |
| GLEN EAGLE ADVISORS LLC3 | 353 NASSAU ST STE D PRINCETON, NJ 085404623 | METROPOLITAN LIFE INSURANCE COMPANY | $58K | — | $58K | 8.81% |
| PETER AGNEW3 | 100 SUNNYSIDE BLVD. STE A C/O HUB INTERNATIONAL WOODBURY, NY 117972925 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 0.15% |
| USI INSURANCE SERVICES LLC3 | 470 PARK AVE NEW YORK, NY 10016 | DELTA DENTAL OF NEW YORK | $15K | — | $15K | 4.00% |
| PROGRESSIVE PLAN ADMINISTRATOR3 | PO BOX 2019, MURRAY HILL STATION NEW YORK, NY 10156 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | $4K | $22K | 7.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY G0458 | $10K | — | $10K | 10.98% |
| INTERCARE INSURANCE SOLUTIONS, INC.3 Filed as: INTERCARE INSURANCE SOLUTIONS INC. | 3010 LAVA RIDGE COURT SUITE 110 ROSEVILLE, CA 11797 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY G0458 | — | $1K | $1K | 1.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS HWY STE 210N HAUPPAUGE, NY 117883056 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $581 | $3K | 5.04% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 32 BROADWAY, SUITE 1818 NEW YORK, NY 10004 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC. | 470 PARK AVE S FL 15S NEW YORK, NY 10016 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $470 | $5K | 17.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 470 PARK AVENUE NEW YORK, NY 10016 | DELTA DENTAL OF NEW YORK, INC. | $1K | — | $1K | 4.46% |
| PROGRESSIVE PLAN ADMINISTRATOR3 | PO BOX 2019, MURRAY HILL STATION NEW YORK, NY 10156 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $104 | $2K | 24.48% |
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 | 472 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE CO. | 862 | $1.3M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 689 | $400K |
| Vision | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 8 | $138K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 472 | $809K |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 340 | $34K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 440 | $282K |
| Other | FEDERAL INSURANCE COMPANY | 472 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 862 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.