| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUBINTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | HPHC INSURANCE COMPANY | $25K | $0 | $25K | 2.42% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES, INC | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | HPHC INSURANCE COMPANY | $11K | $0 | $11K | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | PO BOX709 96 SHAKER ROAD E. LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 11.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE ST WILMINGTON, MA 01187 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $231 | $231 | 0.37% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY | 274 | $1.0M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $63K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $63K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.