| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $125K | — | $125K | 3.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS MEMORIAL HWY SUITE 210N HAUPPAUGE, NY 11788 | CAREFIRST BLUECHOICE, INC. | $11K | $2K | $14K | 2.06% |
| GROUP BENEFIT SERVICES INC5 | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | $0 | $8K | $8K | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS MEMORIAL HWY SUITE 210N HAUPPAUGE, NY 11788 | CAREFIRST OF MARYLAND, INC. | $52 | $27K | $27K | 5.50% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST OF MARYLAND, INC. | $0 | $6K | $6K | 1.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS MEMORIAL HWY SUITE 210N HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $26K | $48K | 13.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 3.94% |
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 | 489 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 266 | $4.9M |
| Dental(3 contracts, 3 carriers) | CAREFIRST BLUECHOICE, INC. | 596 | $1.4M |
| Vision(3 contracts, 3 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 266 | $4.9M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $358K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $358K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $358K |
| Prescription drug(3 contracts, 3 carriers) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 266 | $4.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 390 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.