| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE FL 3 MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $459K | $55K | $514K | 2.74% |
| INSURICA, INC.3 | PO BOX 25928 OKLAHOMA CITY, OK 73125 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATION INC | 40 MARCUS DRIVE FL 3 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $158K | $21K | $180K | 14.61% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVE STE 4000 BUFFALO, NY 14202 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC | 461 PANTIAGO ROAD EAST HAMPTON, NY 11937 | EMPIRE HEALTHCHOICE HMO, INC. | $3K | — | $3K | 1.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATION INC | 40 MARCUS DRIVE FL 3 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $13K | 10.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 461 PANTIAGO ROAD EAST HAMPTON, NY 11937 | EMBLEM HEALTH | $4K | — | $4K | 3.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATION INC | 40 MARCUS DRIVE FL 3 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $755 | $9K | 11.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATION INC | 40 MARCUS DRIVE FL 3 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $784 | $8K | 12.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES INC | 461 PANTIAGO ROAD EAST HAMPTON, NY 11937 | EMBLEM HEALTH | $1K | — | $1K | 4.19% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVE STE 4000 BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | — | $1.3M | $1.3M | — |
| BB&T INSURANCE SERVICES, INC.3 Filed as: M&T INSURANCE AGENCY INC | 285 DELAWARE AVE STE 4000 BUFFALO, NY 14202 | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | — | $581K | $581K | — |
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 | 4,752 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,752 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 2,160 | $19.1M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 2,160 | $19.7M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,752 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,752 | $1.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,752 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,752 | $1.2M |
| Prescription drug(2 contracts) | BLUE CROSS BLUE SHIELD OF WESTERN NEW YORK | 1,765 | $0 |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 4,752 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,752 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.