| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $111K | $111K | 4.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $2K | $7K | 4.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | PO BOX 414882 BOSTON, MA 02241 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 6.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 4.39% |
| TRACEY HINRICHS3 | 7182 LIBERTY CENTER DRIVE, SUITE Q WEST CHESTER, OH 45069 | MANHATTAN LIFE | $2K | $0 | $2K | 3.80% |
| THE FLANDERS GROUP INC | 300 LINDEN OAKS ROCHESTER, NY 14625 | MANHATTAN LIFE | $1K | $0 | $1K | 2.58% |
| ENROLLMENT BENEFIT CONCEPTS LLC3 | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | MANHATTAN LIFE | $34 | $0 | $34 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 10.40% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $166K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 212 | $15K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 299 | $139K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 47 | $21K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $2.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 299 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.