| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AETNA LIFE INSURANCE CO. | $11K | $0 | $11K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HWY SUITE 210N HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $11K | $17K | 8.67% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAELS & DOWNES | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $336 | $0 | $336 | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HWY STE 210N HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $9K | $15K | 9.50% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHEALS & DOWNES | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $263 | $0 | $263 | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HWY STE 210N HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $8K | $13K | 9.98% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAELS & DOWNES | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $228 | $0 | $228 | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HWY STE 210N HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $5K | $12K | 14.95% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAEL & DOWNES | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $843 | $0 | $843 | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - NEW YORK | 1393 VETERANS MEMORIAL HIGHWAY HAUPPAUGE, NY 11788 | EYEMED VISION CARE | $3K | $0 | $3K | 7.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HWY STE 210N HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.91% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAELS & DOWNES | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $555 | $0 | $555 | 2.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1393 VETERANS MEMORIAL HWY STE 210N HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.78% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSLMAN MICHAELS & DOWNES | 555 FAIRMOUNT AVE BALTIMORE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $478 | $0 | $478 | 2.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INT. (PITT) EIN 25-1428002 BROKER | Insurance agents and brokers Service code 22 | — | $153K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $74K |
| HUB INT. (PA) EIN 13-3621603 BROKER | Insurance agents and brokers Service code 22 | — | $35K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $26K |
| HDH GROUP - PITTSBURGH EIN 80-0887008 BROKER | Insurance agents and brokers Service code 22 | — | $16K |
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 | 679 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 683 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 917 | $327K |
| Vision | EYEMED VISION CARE | 764 | $37K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 679 | $154K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 623 | $134K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 679 | $195K |
| Stop-loss / reinsurancereinsurance | OPTUM HEALTH (UNIMERICA INSURANCE COMPANY) | 490 | $867K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 679 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 917 | — |
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.