| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $88K | $7K | $95K | 4.62% |
| HORACIO J. CABRAL3 Filed as: HORACIO CABRAL | 30 LELAND DRIVE MANCHESTER, CT 06040 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $11K | $0 | $11K | 25.99% |
| HORACIO J. CABRAL3 Filed as: HORACIO CABRAL | 1516 NEW LONDON TURNPIKE GLASTONBURY, CT 06033 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1393 VETERENS MEMORIAL HIGHWAY HAUPPAUGE, NY 11788 | EYEMED VISION CARE | $980 | $0 | $980 | 8.96% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 101 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 285 | $2.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 285 | $2.0M |
| Vision | EYEMED VISION CARE | 144 | $11K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 285 | $2.1M |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 74 | $28K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 285 | $2.0M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 285 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.