| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 142031215 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $13 | $23K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | DELTA DENTAL OF NEW YORK | $8K | — | $8K | 5.00% |
| THE MCCLAIN GROUP LLC3 | 104 WITHEROW RD SEWICKLEY, PA 15143 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 8.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | THE PAUL REVERE LIFE INSURANCE COMPANY | $644 | $0 | $644 | 5.65% |
| DONNA TROXELL3 | 706 WESTWOOD DR GIBSONIA, PA 15044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $34 | $12 | $46 | 0.40% |
| STEPHEN JOSEPH JOYCE3 | 70 SARGENT DR AMHERST, NY 14226 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| THE MCCLAIN GROUP LLC3 | 104 WITHEROW RD SEWICKLEY, PA 15143 | THE PAUL REVERE LIFE INSURANCE COMPANY | $423 | $0 | $423 | 5.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES INC | 801 MAIN STREET BUFFALO, NY 14203 | THE PAUL REVERE LIFE INSURANCE COMPANY | $277 | $0 | $277 | 3.91% |
| DONNA TROXELL3 | 706 WESTWOOD DR GIBSONIA, PA 15044 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | $2 | $8 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC | 801 MAIN STREET BUFFALO, NY 142031215 | FEDERAL INSURANCE COMPANY | $455 | $0 | $455 | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 | Claims processing; Contract Administrator Service code 12 | — | $15K |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 445 | $2.9M |
| Dental | DELTA DENTAL OF NEW YORK | 576 | $167K |
| Vision | VISION SERVICE PLAN | 209 | $49K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 660 | $466K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 660 | $466K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 660 | $466K |
| Prescription drug | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 445 | $2.9M |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF WESTERN NEW YORK | 660 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 660 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.