| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 401 BROADHOLLW ROAD SUITE 200 MELVILLE, NY 11747 | ANTHEM BLUE CROSS | $41K | $0 | $41K | 1.93% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 8 FLETCHER PLACE MELVILLE, NY 11747 | ANTHEM BLUE CROSS | $32K | $0 | $32K | 1.51% |
| AMWINS3 Filed as: AMWINS CONNECT INS SERVICES LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | ANTHEM BLUE CROSS | $0 | $12K | $12K | 0.58% |
| PGM INSURANCE SERVICES, LLC3 Filed as: PGM INSURANCE SERVICES LLC | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | ANTHEM BLUE CROSS | $0 | $792 | $792 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 401 BROADHOLLW ROAD SUITE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $0 | $817 | $817 | 1.95% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP INC | 8 FLETCHER PLACE MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $585 | $0 | $585 | 1.39% |
| PGM INSURANCE SERVICES, LLC3 Filed as: PGM INSURANCE SERVICES LLC | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | STANDARD INSURANCE COMPANY | $0 | $285 | $285 | 0.68% |
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 | 401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 401 | $2.1M |
| Dental | ANTHEM BLUE CROSS | 401 | $2.1M |
| Vision | ANTHEM BLUE CROSS | 401 | $2.1M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 401 | $2.1M |
| Short-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 401 | $2.1M |
| Long-term disability(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 401 | $2.1M |
| Prescription drug | ANTHEM BLUE CROSS | 401 | $2.1M |
| Other(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 401 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.