| 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 | $89K | — | $89K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | NORTHEAST LTD 1393 VETERAN MEMORIAL HWY HAUPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 5.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | SUITE 201 100 CENTRAL STREET HOLLISTON, MA 01746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 2.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $16K | $909 | $17K | 8.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | NORTHEAST LTD 1393 VETERAN MEMORIAL HWY HAUPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 15.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | SUITE 201 100 CENTRAL STREET HOLLISTON, MA 01746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LI | 180 RIVER ROAD 2ND FLOOR SUMMIT, NY 12175 | FIRST UNUM LIFE INSURANCE COMPANY | $13K | — | $13K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | NORTHEAST LTD 1393 VETERAN MEMORIAL HWY HAUPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 34.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | SUITE 201 100 CENTRAL STREET HOLLISTON, MA 01746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 13.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | — | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 39.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | SUITE 201 100 CENTRAL STREET HOLLISTON, MA 01746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | UNITEDHEALTHCARE | $2K | — | $2K | 11.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE | $621 | — | $621 | 3.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERAN MEMORIAL HWY HAUPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 245.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | SUITE 201 100 CENTRAL STREET HOLLISTON, MA 01746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 93.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | NORTHEAST LTD 1393 VETERAN MEMORIAL HWY HAUPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 295.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW | ENGLAND LLC, SUITE 201 100 CENTRAL STREET HOLLISTON, MA 01746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 113.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 180 RIVER ROAD 2ND FLOOR SUMMIT, NY 12175 | FIRST UNUM LIFE INSURANCE COMPANY | $316 | — | $316 | 11.41% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $24K |
| 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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEM HEALTH | 362 | $4.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 508 | $202K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 551 | $35K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 538 | $40K |
| Other(8 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 967 | $419K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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.