| Metric | This plan | Peer median | Peer avg | vs. peer |
|---|---|---|---|---|
| Premium per covered life | $5K | $1K | $2K | +402.1% |
| Broker comp per covered life | $58 | $33 | $38 | +74.3% |
| Broker comp % of premium | 1.1% | 3.3% | 6.2% | -2.2 pp |
| Retention rate | 0.0% | 0.3% | 2.2% | -0.3 pp |
| Premium YoY % | — | — | — |
| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE3 | 400 GALLERIA SUITE 300 ATLANTA, GA 30339 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $255K | $0 | $255K | 0.19% |
| COMPASS CONSULTING GROU INC3 | 4348 SOUTHPOINT BOULEVARD SUITE 400 JACKSONVILLE, FL 32216 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $181K | $0 | $181K | 0.13% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $61K | — | $61K | 0.04% |
| AON CORPORATION3 | PO BOX 905494 CHARLOTTE, NC 282905494 | AETNA HEALTH, INC. | $509K | $0 | $509K | 0.94% |
| COMPASS CONSULTING GROUP INC3 | 4348 SOUTHPOINT BOULEVARD SUITE 201 JACKSONVILLE, FL 32216 | AETNA HEALTH, INC. | $349K | $0 | $349K | 0.64% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | KAISER FOUNDATION HEALTH PLAN INC. | $178K | $0 | $178K | 2.05% |
| HUB INTERNATIONAL OF CALIFORNIA INS3 | SERVICES 4371 LATHAM ST. SUITE 101 RIVERSIDE, CA 92501 | KAISER FOUNDATION HEALTH PLAN INC. | -$3 | $0 | -$3 | -0.00% |
| HUB INTERNATIONAL NORTHEAST3 | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $207K | $0 | $207K | 2.98% |
| DWIGHT L PIERCE3 | 1200 EAST TAFT AVENUE SPULPA, OK 74066 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $155K | $0 | $155K | 4.98% |
| HUB INTERNATIONAL NORTHEAST3 | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | DELTA DENTAL INSURANCE COMPANY | $289K | $0 | $289K | 10.13% |
| HUB INTERNATIIONAL NORTHEAST LTD3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $55K | $13K | $69K | 2.48% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | KAISER FOUNDATION HEALTH PLAN INC. | $51K | $0 | $51K | 1.99% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $65K | $2K | $67K | 2.97% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | TUFTS ASSOCIATED HEALTH MAINTANANCE ORG. INC. | $33K | $0 | $33K | 1.96% |
| HUB INTERNATIONAL NORTHEAST LIMITED3 | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $21K | $0 | $21K | 1.99% |
| PRIMUS SOLUTIONS INC.3 | 715 S US HWY 301 TAMPA, FL 33619 | COMPBENEFITS | $43K | $0 | $43K | 8.54% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11787 | TUFTS INSURANCE COMPANY | $6K | $0 | $6K | 1.96% |
| HUB INTERNATIONAL NORTHEAST3 | 100 SUNNYSIDE BLVD. WOODBURY, NY 11797 | DELTA DENTAL INSURANCE COMPANY | $27K | $0 | $27K | 10.00% |
| HUB INTERNATIONAL NORTHEAST LTD3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $10K | $0 | $10K | 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 | 41,604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 474 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 42,078 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 10 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 33,302 | $215.7M |
| Dental(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 33,302 | $146.7M |
| Vision(2 contracts, 2 carriers) | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 43,637 | $5.4M |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 33,302 | $136.4M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 33,302 | $136.4M |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 33,302 | $136.4M |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 33,302 | $136.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 43,637 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.