| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN ASSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $58K | $58K | 3.69% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOC LLC | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 1.16% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 6.92% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NM 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.47% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | -$3 | $3K | 13.29% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGH, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.44% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $727 | $727 | 5.00% |
| KEVIN M SMITH3 | 3049 DORCHESTER STREET EAST SUITE 109 FURLONG, PA 18925 | AFLAC | $289 | — | $289 | 3.68% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE COURT ATCO, NJ 08004 | AFLAC | $121 | — | $121 | 1.54% |
| BARBARA DALE SMITH3 | 3049 DORCHESTER STREET EAST SUITE 109 FURLONG, PA 18925 | AFLAC | $111 | — | $111 | 1.41% |
| CAESAR D WILLIAMS JR3 | 325 CHESTNUT STREET 8TH FLOOR PHILADELPHIA, PA 19102 | AFLAC | $68 | — | $68 | 0.87% |
| CECILIA K WILLIAMS3 | 1429 WALNUT STREET SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $60 | — | $60 | 0.76% |
| JEAN ANN SCHINDELHEIM3 | 554 DEW POINT AVENUE CARLSBAD, CA 92011 | AFLAC | $56 | — | $56 | 0.71% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $46 | — | $46 | 0.59% |
| JOSE A SCHIENEMAN3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPLE, AZ 85282 | AFLAC | $26 | — | $26 | 0.33% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $19 | — | $19 | 0.24% |
| AILEEN KEENAN3 | 9603 NORTHWEST 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $18 | — | $18 | 0.23% |
| LAD FINANCIAL CORP3 | 4531 CADIZ CIRCLE PALM BEACH GARDENS, FL 33418 | AFLAC | $15 | — | $15 | 0.19% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $13 | — | $13 | 0.17% |
| JOSE A SCHIENEMAN3 | 4515 SOUTH MCCLINTOCK DRIVE SUITE 212 TEMPLE, AZ 85282 | AFLAC | $12 | — | $12 | 0.15% |
| GEOFFREY MALAIS3 Filed as: GEOFFREY MALAJS | 16800 DEVONSHIRE STREET SUITE 220 GRANADA HILLS, CA 91344 | AFLAC | $10 | — | $10 | 0.13% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SOUTHWEST BAYBERRY AVENUE PORT ST LUCIE, FL 34987 | AFLAC | $7 | — | $7 | 0.09% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BOULEVARD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $5 | — | $5 | 0.06% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $5 | — | $5 | 0.06% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $3 | — | $3 | 0.04% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $3 | — | $3 | 0.04% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET SUITE 3 PHILADELPHIA, PA 19106 | AFLAC | $2 | — | $2 | 0.03% |
| LAD FINANCIAL CORP3 | 13308 ALTON ROAD PALM BEACH GARDENS, FL 33418 | AFLAC | $2 | — | $2 | 0.03% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 17112 | AFLAC | $1 | — | $1 | 0.01% |
| THOMAS J POPPERT3 | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $1 | — | $1 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TERRECE HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES W BENCIN3 | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $1 | — | $1 | 0.01% |
| THOMAS J POPPERT3 | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $1 | — | $1 | 0.01% |
| DARREN D RIDDLE3 | 7850 AVONDALE TERRACE HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES W BENCIN3 | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.01% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $1 | — | $1 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $1 | — | $1 | 0.01% |
| LARA K GRANDE3 | 1022 WESTHAVEN BOULEVARD FRANKLIN, TN 37064 | AFLAC | $0 | — | $0 | 0.00% |
| LARA K GRANDE3 | 1022 WESTHAVEN BOULEVARD FRANKLIN, TN 37064 | AFLAC | $0 | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASWSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $204 | — | $204 | 11.98% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $85 | $85 | 4.99% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $1.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 110 | $94K |
| Vision | AFLAC | 7 | $8K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $22K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $23K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
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.