| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLOW ROAD, SUITE 200 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $56K | $69K | 3.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 401 BROADHOLLOW ROAD, SIUTE 200 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | $0 | $26K | 1.21% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLOW ROAD, SUITE 303 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 0.89% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403, 4TH FLOOE WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWST LIMITED | 55 EAST JACKSON BOLEVARD 14TH FLOOE, SUITE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $8K | $14K | 8.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD, SUITE 400 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 6.70% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $9K | $9K | 5.00% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $173K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $173K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 158 | $173K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.1M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 405 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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.