| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN EAGLE WEALTH LLC3 | PO BOX 399 KINGSTON, NJ 085280399 | METROPOLITAN LIFE INSURANCE COMPANY | $108K | — | $108K | 9.69% |
| PETER AGNEW3 | 75 GLEN RIDGE PKWY GLEN RIDGE, NJ 070281809 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 1140 AVE OF THE AMERICAS 8TH F NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $57K | $17K | $74K | 7.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $14K | — | $14K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 401 BROADHOLLOW RD STE 200 ATTN. KATHY FIEDORYSZYN MELVILLE, NY 117474708 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 5.40% |
| MMG AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | FEDERAL INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 5 BRYANT PARK 4TH FL NEW YORK, NY 10018 | FEDERAL INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INC. | ONE STATE STREET PLAZA NEW YORK, NY 10004 | DELTA DENTAL OF NEW YORK | $1K | — | $1K | 4.99% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CE | 1140 AVE OF THE AMERICAS 8TH F NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $254 | $2K | 16.72% |
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 | 646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 669 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 4 | $156K |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK | 937 | $26K |
| Vision | EYEMED VISION CARE | 685 | $42K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 606 | $1.4M |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 159 | $15K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 581 | $951K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 646 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 937 | — |
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.