| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | EMBLEM HEALTH | $84K | — | $84K | 2.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 7.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | NORTHEAST LTD 1393 VETERAN MEMORIAL HWY HAUPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | NORTHEAST LTD 1393 VETERAN MEMORIAL HWY HAUPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $7K | $0 | $7K | 10.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 180 RIVER ROAD 2ND FLOOR SUMMIT, NY 12175 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 18.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS BAUER GUDEMAN, INC. NEW YORK, NY 10018 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 12.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 34.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | NORTHEAST LTD 1393 VETERAN MEMORIAL HWY HAUPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 42.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | UNITEDHEALTHCARE | $2K | — | $2K | 8.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE | $814 | — | $814 | 4.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LI | 180 RIVER ROAD 2ND FLOOR SUMMIT, NY 12175 | FIRST UNUM LIFE INSURANCE COMPANY | $509 | — | $509 | 9.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | NORTHEAST LTD 1393 VETERAN MEMORIAL HWY HAUPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 260.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $19K |
| COMPSYCH EIN 35-3739783 CONTRACT ADMINISTRA | Contract Administrator Service code 13 | — | $0 |
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 | 395 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 395 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEM HEALTH | 376 | $4.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 507 | $198K |
| Life insurance(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 603 | $66K |
| Long-term disability(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 537 | $93K |
| Other(5 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 910 | $284K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.