| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $43K | $0 | $43K | 5.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $770 | $3K | 20.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN & ASSOCIATES | 461 PANTIGO ROAD EAST HAMPTON, NY 11937 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $2K | $849 | $3K | 58.59% |
| NATIONAL FINANCIAL NETWORK, LLC0 Filed as: NATIONAL FINANCIAL NETWORK | 7 HANOVER SQUARE 8TH FLOOR, SUITE 8A NEW YORK, NY 10004 | GUARDIAN LIFE INSURANCE CO. OF AMERICA | $23 | $0 | $23 | 0.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIFLEX LLC EIN 22-3639401 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $7K |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 94 | $790K |
| Dental | GUARDIAN LIFE INSURANCE CO. OF AMERICA | 54 | $5K |
| Life insurance | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 94 | $790K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 99 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.