| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE ST, HUB PO BOX 696 WILMINGTON, MA 01887 | ANTHEM HEALTH PLANS OF MAINE INC (G1850) | $610 | $0 | $610 | 0.07% |
| SAWER, RICHARD W3 | ONE UNIVERSITY PARK 25 SAWYER RD WALTHAM, MA 02154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $802 | $3K | 7.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | PO BOX 709 96 SHAKER RD E LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $57K | $60K | 225.89% |
| TETU, DANIEL D3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 16.11% |
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 | 107 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF MAINE INC (G1850) | 94 | $885K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $35K |
| Vision | ANTHEM HEALTH PLANS OF MAINE INC (G1850) | 94 | $885K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $190K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 107 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 107 | — |
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.