| 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 | — | $75K | $75K | 4.50% |
| 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 | — | $4K | $4K | 3.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 13.50% |
| 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 | 3.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NM 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $787 | — | $787 | 3.64% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $228 | $228 | 1.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $627 | — | $627 | 5.30% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $437 | $437 | 3.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASWSOCIATES | 40 MARCUS DRIVE 3RD FLOOR MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 139.46% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $65 | $65 | 4.00% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 129 | $90K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $12K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $48K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $26K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 145 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.