| 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 | $6K | $58K | $65K | 4.58% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $22K | $22K | 1.55% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.56% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS 4TH FLOOR NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, SUITE 800 BUFFALO, NY 14204 | FIRST UNUM LIFE INSURANCE COMPANY | $640 | $6 | $646 | 8.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $93 | $93 | 1.25% |
| CHRISTOPHER S. BRADY3 | 27 WATER ROAD ROCKY POINT, NY 11778 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $571 | $0 | $571 | 10.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $285 | $0 | $285 | 4.99% |
| WAG NY INC3 | UNKNOWN LONG ISLAND CITY, NY 11101 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | $0 | $6 | 0.11% |
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 | 116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $1.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 64 | $6K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $7K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $7K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $7K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $1.4M |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.