| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | AETNA LIFE INSURANCE COMPANY | $45K | — | $45K | 4.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES | UNKNOWN BETHPAGE, NY 11714 | AETNA LIFE INSURANCE COMPANY | — | $58 | $58 | 0.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 1133 WESTCHESTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK, MARAN AND ASSOCIATES | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. AND FIN. SVCS. | 4851 LBJ FREEWAY, SUITE 1100 DALLAS, TX 75244 | METROPOLITAN LIFE INSURANCE COMPANY | — | $646 | $646 | 0.84% |
| THE DBL CENTER LTD3 Filed as: THE DBL CENTER, LTD | 555 BROADHOLLOW ROAD MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $2K | $6K | 23.12% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 131 | $923K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 300 | $77K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 178 | $24K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 131 | $923K |
| Other | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 178 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.