| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BOLUEVARD WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $135K | $140K | 4.85% |
| FNA INSURANCE SERVICES INC3 | 100 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | DELTA DENTAL OF NEW JERSEY, INC. | $13K | $0 | $13K | 5.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BOLUEVARD WOODBURY, NY 11797 | DELTA DENTAL OF NEW JERSEY, INC. | $10K | $0 | $10K | 4.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 777 COMMERCE DRIVE FAIRFIELD, CT 06825 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | $0 | $15K | 15.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS, INC. | 2000 SOUTH COLORADO BOULEVARD TOWER 2, SUITE 150 DENVER, CO 80222 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | $7K | $7K | 7.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $346 | $6K | 21.96% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD, FLOOR 3 SUITE 303 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.59% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $183 | $183 | 0.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $365 | $6K | 27.08% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD, FLOOR 3 SUITE 303 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.33% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | UNKNOWN PISCATAWAY, NJ 08854 | ALPHA DENTAL PROGRAMS, INC. | $675 | $0 | $675 | 3.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METLIFE LEGAL PLANS | $2K | $266 | $2K | 11.62% |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 549 | $2.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 540 | $269K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 549 | $2.9M |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 345 | $100K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 345 | $100K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 549 | $2.9M |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 345 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 549 | — |
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.