| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARIN & ASSOCIATES | 40 MARCUS DRIVE MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $209K | $20K | $229K | 1.49% |
| ALCOTT INSURANCE AGENCY INC3 Filed as: ALCOTT INSURANCE AGENCY INC. | 71 EXECUTIVE BOULEVARD FARMINGDALE, NY 11735 | AETNA LIFE INSURANCE CO. | $143K | — | $143K | 0.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $5K | $14K | 1.01% |
| ALCOTT INSURANCE AGENCY INC3 Filed as: ALCOTT INSURANCE AGENCY INC. | 71 EXECUTIVE BOULEVARD FARMINGDALE, NY 11735 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 0.89% |
| 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 | $2K | — | $2K | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $87K | $18K | $106K | 9.39% |
| ALCOTT INSURANCE AGENCY INC3 Filed as: ALCOTT INSURANCE AGENCY INC. | 71 EXECUTIVE BOULEVARD FARMINGDALE, NY 11735 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | — | $53K | 4.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $3K | $12K | 7.27% |
| ALCOTT INSURANCE AGENCY INC3 Filed as: ALCOTT INSURANCE AGENCY INC. | 71 EXECUTIVE BOULEVARD FARMINGDALE, NY 11735 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 3.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 8.52% |
| ALCOTT INSURANCE AGENCY INC3 Filed as: ALCOTT INSURANCE AGENCY INC. | 71 EXECUTIVE BOULEVARD FARMINGDALE, NY 11735 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 8.50% |
| ALCOTT INSURANCE AGENCY INC3 Filed as: ALCOTT INSURANCE AGENCY INC. | 71 EXECUTIVE BOULEVARD FARMINGDALE, NY 11735 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE HMO, INC. | $168 | — | $168 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE FLOOR 3 MELVILLE, NY 11747 | EMBLEM HEALTH | $3K | — | $3K | — |
| ALCOTT INSURANCE AGENCY INC3 Filed as: ALCOTT INSURANCE AGENCY INC. | 71 EXECUTIVE BOULEVARD FARMINGDALE, NY 11735 | EMBLEM HEALTH | $2K | — | $2K | — |
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 | 4,692 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 4,692 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 1,991 | $27.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,958 | $1.4M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 4,692 | $1.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,692 | $1.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,692 | $1.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,692 | $1.1M |
| Prescription drug(2 contracts) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 1,991 | $12.5M |
| Other(5 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 4,692 | $13.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,692 | — |
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.