| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD CO INC | 801 MAIN ST BUFFALO, NY 14203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $420K | — | $420K | 38.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD CO INC | 801 MAIN ST BUFFALO, NY 14203 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC | $29K | — | $29K | 3.47% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $41K | $41K | 6.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD CO INC | 801 MAIN ST BUFFALO, NY 14203 | HARTFORD LIFE AND ACCIDENT | $35K | — | $35K | 5.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD CO INC | 801 MAIN ST BUFFALO, NY 14203 | SOLSTICE HEALTH INSURANCE COMPANY | $35K | — | $35K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD CO INC | 801 MAIN ST BUFFALO, NY 14203 | MUTUAL OF OMAHA INSURANCE COMPANY | $257 | — | $257 | 9.98% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $129 | $129 | 5.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICE INC | 1250 S CAPITAL OF TEXAS HWY STE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $11 | $11 | 0.43% |
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 | 505 | 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) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 485 | $1.9M |
| Dental | SOLSTICE HEALTH INSURANCE COMPANY | 505 | $353K |
| Vision(2 contracts, 2 carriers) | SOLSTICE HEALTH INSURANCE COMPANY | 505 | $355K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 505 | $648K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 505 | $648K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 505 | $648K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 485 | $1.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 505 | $648K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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.
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.