| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | UNITEDHEALTHCARE INSURANCE COMPANY | $677 | $24K | $25K | 1.81% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY, 15TH FLOOR NEW YORK, NY 10007 | UNITEDHEALTHCARE INSURANCE COMPANY | $506 | $17K | $17K | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $9K | $835 | $10K | 9.15% |
| EMPLOYEE BENEFITS LLC3 | 500 ROSS STREET, SUITE 154-0455 PITTSBURGH, PA 15262 | HARTFORD LIFE AND ACCIDENT | $6K | $2K | $8K | 7.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN GAITHERSBURG, MD 20878 | DELTA DENTAL OF PENNSYLVANIA | $5K | $0 | $5K | 5.93% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | UNKNOWN GAITHERSBURG, MD 20878 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 4.07% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY EMPLOYEE BENEFITS LLC | 195 BROADWAY, 15TH FLOOR NEW YORK, MD 10007 | MANHATTANLIFE | $1K | $0 | $1K | 10.67% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE MELTZER GROUP INC | 6500 ROCK SPRING DRIVE, SUITE 500 BETHESDA, MD 20817 | MANHATTANLIFE | $220 | $0 | $220 | 2.20% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.4M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 248 | $79K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 164 | $105K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 164 | $115K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 164 | $105K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 258 | $1.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 164 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.