| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $167K | — | $167K | 2.54% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC | 285 DELAWARE AVE BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $76K | — | $76K | 2.41% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC | 285 DELAWARE AVE BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $40K | — | $40K | 2.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DIR FLOOR 3 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $44K | — | $44K | 12.02% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC | 101 SOUTH SALINA STREET 4TH FLOOR SYRACUSE, NY 13202 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 4.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | VISION SERVICE PLAN | $1K | — | $1K | 1.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 461 PANTIAGO ROAD EAST HAMPTON, NY 11937 | EMPIRE HEALTHCHOICE HMO INC | $1K | — | $1K | 1.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 461 PANTIAGO ROAD EAST HAMPTON, NY 11937 | EMBLEM HEALTH | $2K | — | $2K | 3.85% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC | 101 SOUTH SALINA STREET 4TH FLOOR SYRACUSE, NY 13202 | EXCELLUS BLUE CROSS BLUE SHIELD | $2K | — | $2K | 12.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 461 PANTIAGO ROAD EAST HAMPTON, NY 11937 | EMBLEM HEALTH | $418 | — | $418 | 3.85% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC | 285 DELAWARE AVE STE 400 BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 100.00% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC. | 285 DELAWARE AVE BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $7K | — | $7K | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC | 285 DELAWARE AVE BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $2K | — | $2K | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC | 285 DELAWARE AVE BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $164 | — | $164 | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC | 285 DELAWARE AVE BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $78 | — | $78 | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY, INC | 285 DELAWARE AVE BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | $1K | — | $1K | — |
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 | 3,114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(12 contracts, 5 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,922 | $11.7M |
| Dental(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 1,922 | $6.6M |
| Vision | VISION SERVICE PLAN | 2,010 | $100K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 3,114 | $363K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,114 | $363K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,114 | $363K |
| Prescription drug(8 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 1,703 | $5.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 3,114 | $363K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,114 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.