| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 299 BALLARDVALE STREET WILINGTON, MA 01887 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $163K | $163K | 5.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $44K | $44K | 1.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 203 NORTH LASALLE STREET, FLOOR 20 CHICAGO, IL 60601 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $5K | $5K | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITD | 401 BROADHOLLOW ROAD, SUITE 200 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $0 | $59K | 3.71% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE, SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $10K | $0 | $10K | 1.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1667 ELM STREET, SUITE 3 MANCHESTER, NH 03101 | VISION SERVICE PLAN | $10K | $0 | $10K | 1.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | RELIASTAR LIFE INSURANCE COMPANY | $48K | $0 | $48K | 10.00% |
| BENE RE LLC3 | 5217 MONROE STREET, SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $38K | $38K | 8.00% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | SELECTHEALTH | $312K | $0 | $312K | 100.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD SUITE 200 MELVILLE, NY 11747 | METROPOLITAN GENERAL INSURANCE COMPANY | $4K | $0 | $4K | 8.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $1K | $2K | 4.64% |
| MORETON & COMPANY3 Filed as: FRED A MORETON & CO | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN AND COUNTRY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 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 | 3,152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 44 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $1.9M |
| Dental | TOWN AND COUNTRY LIFE INSURANCE COMPANY | 22 | $33K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,170 | $671K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 3,533 | $3.0M |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 3,533 | $3.0M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 112 | $1.9M |
| Other(4 contracts, 4 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 4,743 | $3.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,743 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.