| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1505 CONEY ISLAND AVENUE BROOKLYN, NY 11230 | NIPPON LIFE INS CO | $21K | $0 | $21K | 3.07% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | NIPPON LIFE INS CO | $14K | $0 | $14K | 2.04% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 777 COMMERCE DRIVE FAIRFIELD, CT 06825 | GUARDIAN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 7.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $498 | $2K | 1.27% |
| CHRISTOPHER S. BRADY3 Filed as: CHRISTOPHER S BRADY | 27 WATER ROAD ROCKY POINT, NY 11778 | GUARDIAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.76% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INS CO | 137 | $696K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 131 | $143K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 131 | $143K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 131 | $143K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 131 | $143K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 131 | $143K |
| Prescription drug | NIPPON LIFE INS CO | 137 | $696K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 131 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.