| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 4.00% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA INC | PO BOX 362708 SAN JUAN, PR 009362708 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 1.00% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 195556 SAN JUAN, PR 009195556 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 5.12% |
| CARRION, LAFFITTE & CASELLAS, INC.3 Filed as: CARRION, LAFFITEE & CASELLAS, INC. | PO BOX 195556 SAN JUAN, PR 009195556 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 3.88% |
| CARRION, LAFFITTE & CASELLAS, INC.3 | PO BOX 19556 SAN JUAN, PR 009195556 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 100180831 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 7.30% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA INC | PO BOX 362708 SAN JUAN, PR 009362708 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.82% |
| RHONA S UNSELL INC4 Filed as: RHONA S. UNSELL INC. | SUITE 370 152 6525 GUNPARK DRIVE BOULDER, CO 80301 | PRE PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $756 | — | $756 | 17.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $507K |
| HUB INTERNATIONAL NORTHEAST LIMITED EIN 13-3621603 BROKER | Other commissions Service code 55 | — | $50K |
| POPULAR INSURANCE AGENCY USA INC. EIN 36-4473714 BROKER | Other commissions Service code 55 | — | $11K |
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 | 659 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 499 | $288K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 408 | $55K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 648 | $281K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 655 | $282K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 655 | $124K |
| Prescription drug | MC-21 CORPORATION | 387 | $0 |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 659 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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."
No prospect flags tripped on this filing.