| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $80K | $0 | $80K | 4.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC. | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $0 | $43 | $43 | 0.00% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 4.36% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $3K | $6K | 19.65% |
| THE DBL CENTER LTD3 | 155 PINELAWN RD STE 120 SOUTH MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $1K | $3K | 16.44% |
| ENROLLEASE3 Filed as: ONE DIGITAL - NEW YORK, NY | 200 GALLERIA PKY #1950 ATLANTA, GA 30339 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 9.12% |
| 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 | $133 | $0 | $133 | 0.89% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 NONE | Contract Administrator Service code 13 | — | $13K |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 175 | $1.8M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 377 | $103K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 216 | $15K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 216 | $17K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 214 | $33K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 216 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.