| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $95K | $95K | 3.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS HIGHWAY, SUITE 210N HAUPPAUGE, NY 11788 | CAREFIRST BLUECHOICE, INC. | $13K | $0 | $13K | 1.81% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 6 NORTH PARK DRIVE. SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | $0 | $9K | $9K | 1.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS HIGHWAY, SUITE 210N HAUPPAUGE, NY 11788 | CAREFIRST OF MARYLAND, INC. | $0 | $22K | $22K | 4.96% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 6 NORTH PARK DRIVE. SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST OF MARYLAND, INC. | $0 | $6K | $6K | 1.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS HIGHWAY, SUITE 210N HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $21K | $44K | 11.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $8K | $33 | $8K | 4.18% |
| EBENCONCEPTS COMPANY3 | 15305 DALLAS PARKWAY, SUITE 800 ADDISON, TX 75001 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 3.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS HIGHWAY, SUITE 210N HAUPPAUGE, NY 11788 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 9.97% |
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 | 600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $4.1M |
| Dental(3 contracts, 3 carriers) | CAREFIRST BLUECHOICE, INC. | 614 | $1.4M |
| Vision(3 contracts, 3 carriers) | CAREFIRST BLUECHOICE, INC. | 497 | $1.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $369K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $369K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $369K |
| Prescription drug(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 268 | $4.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 472 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 614 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.