| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA INC | 85 BROAD ST FL 10 NEW YORK, NY 100042787 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 2.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 117474708 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 2.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO, INC. | 255 PONCE DE LEON AVE MCS PLAZA STE 700 SAN JUAN, PR 00917 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO, INC. | 255 PONCE DE LEON AVE MCS PLAZA STE 700 SAN JUAN, PR 00917 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $23K | — | $23K | 12.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PUERTO RICO, INC. | 255 PONCE DE LEON AVE MCS PLAZA STE 700 SAN JUAN, PR 00917 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA INC | 85 BROAD ST FL 10 NEW YORK, NY 100042787 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW RD STE 200 MELVILLE, NY 117474708 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.70% |
| RHONA S UNSELL INC4 | STE 370-152 6525 GUNPARK DRIVE BOULDER, CO 803013346 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 19.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $584K |
| POPULAR INSURANCE AGENCY USA INC EIN 36-4473714 BROKER | Other commissions Service code 55 | — | $22K |
| HUB INTERNATIONAL NORTHEAST LIMITED EIN 13-3621603 BROKER | Other commissions Service code 55 | — | $20K |
| HUB INTERNATIONAL MIDWEST LIMITED BROKER | Other commissions Service code 55 | — | $8K |
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 | 801 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 801 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 597 | $459K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 496 | $76K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 756 | $326K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 760 | $183K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 759 | $122K |
| Prescription drug | ABARCA HEALTH LLC | 385 | $0 |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 801 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 801 | — |
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.