| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $0 | $48K | 4.89% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY, INC | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $21K | $21K | 2.14% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP, LLC | 34 BAY STREET SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $4K | $4K | 0.41% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.29% |
| CHRISTOPHER S. BRADY3 Filed as: CHRISTOPHER S BRADY | 27 WATER ROAD ROCKY POINT, NY 11778 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $386 | $0 | $386 | 9.99% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $193 | $0 | $193 | 5.00% |
| WAY NY, INC3 | 250 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 1065 AVENUE OF THE AMERICAS 4TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $454 | $0 | $454 | 14.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 180 RIVER ROAD 2ND FLOOR SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $70 | $70 | 2.31% |
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 | 88 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 89 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $977K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $977K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 53 | $4K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 18 | $3K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 18 | $3K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 18 | $3K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $977K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 18 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.