| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | UNKNOWN PORTLAND, ME 04102 | HPHC INSURANCE COMPANY | $16K | $0 | $16K | 2.50% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | UNKNOWN PORTLAND, ME 04102 | HPHC INSURANCE COMPANY | $2K | $0 | $2K | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | UNKNOWN PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $12K | $0 | $12K | 2.56% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | UNKNOWN PORTLAND, ME 04102 | HARVARD PILGRIM HEALTH CARE | $1K | $0 | $1K | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 12.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.29% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | HARTFORD LIFE AND ACCIDENT | $1K | $0 | $1K | 1.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | DELTA DENTAL PLAN OF MAINE | $4K | $0 | $4K | 4.19% |
| HORAN ASSOCIATES INC.3 Filed as: HORAN ASSOCIATES INC | 4990 EAST GALBRAITH ROAD CINCINNATI, OH 45236 | DELTA DENTAL PLAN OF MAINE | $749 | $0 | $749 | 0.89% |
| COMBINED SERVICES LLC3 | PO BOX 1320 CONCORD, NH 03302 | DELTA DENTAL PLAN OF MAINE | $94 | $0 | $94 | 0.11% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 87 | $1.1M |
| Dental | DELTA DENTAL PLAN OF MAINE | 163 | $84K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 118 | $95K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 118 | $95K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 118 | $95K |
| Prescription drug(2 contracts, 2 carriers) | HPHC INSURANCE COMPANY | 87 | $1.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 118 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.