| 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 | $4K | $113K | $117K | 4.99% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | DELTA DENTAL OF NEW JERSEY, INC. | $12K | $0 | $12K | 5.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | DELTA DENTAL OF NEW JERSEY, INC. | $8K | $0 | $8K | 3.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $16K | $3K | $20K | 12.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $609 | $9K | 21.62% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METLIFE LEGAL PLANS | $2K | $373 | $2K | 11.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | UNKNOWN PISCATAWAY, NJ 08854 | ALPHA DENTAL PROGRAMS, INC. | $298 | $0 | $298 | 2.30% |
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 | 301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 421 | $2.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 443 | $231K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 421 | $2.3M |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 281 | $160K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 281 | $160K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 421 | $2.3M |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 281 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.