| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | AETNA LIFE INSURANCE COMPANY | $51K | $0 | $51K | 4.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | SERVICES 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 106043516 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOC INC | 461 PANTIGO RD EAST HAMPTON, NY 119372647 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $19 | $3K | 3.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | SERVICES 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511800 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $587 | $587 | 0.68% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INS INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | METROPOLITAN LIFE INSURANCE COMPANY | $144 | $124 | $268 | 0.31% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | $1K | $5K | 16.89% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $1K | $3K | 15.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOC. - MELVILLE, NY | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $197 | $0 | $197 | 8.14% |
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 | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 154 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $87K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 119 | $2K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 202 | $22K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 200 | $29K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 202 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.