| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | HARVARD PILGRIM HEALTH CARE | $11K | — | $11K | 2.15% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | HARVARD PILGRIM HEALTH CARE | $494 | — | $494 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | HPHC INSURANCE COMPANY | $6K | — | $6K | 2.15% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | HPHC INSURANCE COMPANY | $2K | — | $2K | 0.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | DELTA DENTAL PLAN OF MAINE | $2K | — | $2K | 2.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 1.72% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE BEN | PO BOX 1320 CONCORD, NH 033021320 | DELTA DENTAL PLAN OF MAINE | $498 | — | $498 | 0.74% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | DELTA DENTAL PLAN OF MAINE | $494 | — | $494 | 0.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | PO BOX 709 96 SHAKER ROAD E. LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 17.56% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL GROUP LLC | STE 230 40 TIOGA WAY MARBLEHEAD, MA 01945 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | PO BOX 709 96 SHAKER ROAD E. LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $138 | $2K | 15.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $51 | $51 | 0.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| PROSENTIAL BENEFITS LLC3 Filed as: PROSENTIAL GROUP LLC | STE 230 40 TIOGA WAY MARBLEHEAD, MA 01945 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | PO BOX 709 96 SHAKER ROAD E. LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $686 | — | $686 | 5.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | PO BOX 709 96 SHAKER ROAD E. LONGMEADOW, MA 01028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $473 | — | $473 | 4.49% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | HARVARD PILGRIM HEALTH CARE | -$5 | — | -$5 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | HARVARD PILGRIM HEALTH CARE | -$13 | — | -$13 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | HPHC INSURANCE COMPANY | — | — | $0 | — |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | HPHC INSURANCE COMPANY | — | — | $0 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | HPHC INSURANCE COMPANY | $6K | — | $6K | — |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | HPHC INSURANCE COMPANY | $2K | — | $2K | — |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF MAINE | 205 | $67K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $48K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $38K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $38K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.