| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | 150 JOHN F KENNEDY PARKWAY SUITE 520 SHORT HILLS, NJ 07078 | BLUECROSS BLUESHIELD OF ILLINOIS | $13K | — | $13K | 3.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | BLUECROSS BLUESHIELD OF ILLINOIS | $7K | — | $7K | 1.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 150 JOHN F KENNEDY PARKWAY SUITE 520 SHORT HILLS, NJ 07078 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | — | $7K | 5.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | EXCELLUS BLUE CROSS BLUE SHIELD | $4K | — | $4K | 3.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BLVD STE 400 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $735 | $735 | 1.31% |
| LONG TERM CARE SOLUTIONS, INC.3 Filed as: LONG TERM CARE SOLUTIONS INC | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1065 AVENUE OF THE AMERICAS 4TH FL NEW YORK, NY 10018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 2.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BLVD STE 400 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $259 | $259 | 1.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | EXCELLUS BLUE CROSS BLUE SHIELD | $638 | — | $638 | 10.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BLVD STE 400 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $90 | $90 | 1.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LLC | 777 COMMERCE DRIVE FAIRFIELD, CT 06825 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $185 | — | $185 | 5.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1393 VETERANS MEMORIAL HWY SUITE 210N HAUPPAUGE, NY 11788 | ARAG INSURANCE COMPANY | $311 | — | $311 | 10.02% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $1.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 245 | $137K |
| Vision | VISION SERVICE PLAN | 141 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $56K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 23 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 204 | $16K |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 158 | $1.9M |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 204 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.