| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 120 EAGLE ROCK AVENUE, SUITE 195 EAST HANOVER, NJ 07936 | FIRST UNUM LIFE INSURANCE COMPANY | $334K | $29K | $363K | 5.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NJ 07901 | FIRST UNUM LIFE INSURANCE COMPANY | $108K | $40K | $148K | 2.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET, SUITE 2 WILMINGTON, MA 01887 | FIRST UNUM LIFE INSURANCE COMPANY | $105K | $30K | $135K | 2.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 3.55% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $10K | $0 | $10K | 1.58% |
| 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 | 1.58% |
| MORETON & COMPANY3 | PO BOX 58139 SALT LAKE CITY, UT 84158 | SELECTHEALTH | $18K | $4K | $22K | 7.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | RELIASTAR LIFE INSURANCE COMPANY | $24K | $0 | $24K | 10.00% |
| BENE RE LLC3 | 5217 MONROE STREET, SUITE B TOLEDO, OH 43623 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $19K | $19K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $5K | $2K | $7K | 13.19% |
| MORETON & COMPANY Filed as: FRED A. MORETON & COMPANY | PO BOX 58139 SALT LAKE CITY, UT 84158 | TOWN AND COUNTRY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 10.13% |
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 | 3,178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 57 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.3M |
| Dental | TOWN AND COUNTRY LIFE INSURANCE COMPANY | 52 | $42K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 3,863 | $678K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 4,119 | $6.6M |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 4,119 | $6.6M |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.3M |
| Other(5 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 4,119 | $7.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,119 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.