| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | — | $18K | 4.35% |
| 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 | 1.09% |
| 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 | $29K | — | $29K | 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 | $22K | — | $22K | 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% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 8.71% |
| POPULAR RISK SERVICES, LLC3 Filed as: POPULAR INSURANCE AGENCY USA INC. | 85 BROAD ST FL 10 NEW YORK, NY 100042787 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.18% |
| RHONA S UNSELL INC4 | STE 370-152 6525 GUNPARK DRIVE BOULDER, CO 80301 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $949 | — | $949 | 15.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $574K |
| HUB INTERNATIONAL NORTHEAST LIMITED EIN 13-3621603 BROKER | Other commissions Service code 55 | — | $64K |
| POPULAR INSURANCE AGENCY USA INC EIN 36-4473714 BROKER | Other commissions Service code 55 | — | $16K |
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 | 889 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 889 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 611 | $413K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 503 | $72K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 783 | $294K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 786 | $178K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 785 | $116K |
| Prescription drug | ABARCA HEALTH LLC | 386 | $0 |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 889 | $311K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 889 | — |
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.