| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC. | 801 MAIN STREET BUFFALO, NY 14203 | UNIVERA HEALTHCARE | $53K | $0 | $53K | 3.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $16K | $0 | $16K | 4.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 10.64% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $0 | $8K | $8K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC. | 801 MAIN STREET BUFFALO, NY 14203 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 12.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 16.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $786 | $0 | $786 | 4.02% |
| JOSEPH L DILEO3 | 300 CORPORATE PKWY STE 216N AMHERST, NY 14226 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $317 | $0 | $317 | 1.62% |
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 | 242 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERA HEALTHCARE | 270 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $31K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 214 | $31K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 242 | $133K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 242 | $152K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERA HEALTHCARE | 270 | $1.8M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 242 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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."
No prospect flags tripped on this filing.