| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | — | HARVARD PILGRIM HEALTH CARE | $14K | — | $14K | 1.73% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $13K | — | $13K | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | — | HARVARD PILGRIM HEALTH CARE | $3K | — | $3K | 1.73% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $2K | — | $2K | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | — | HPHC INSURANCE COMPANY | $2K | — | $2K | 1.73% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $2K | — | $2K | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.32% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | — | $619 | $619 | 0.93% |
| CLARK INSURANCE3 | PO BOX 3543 PORTLAND, ME 04104 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $444 | $4K | 7.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | PO BOX 709 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $426 | $426 | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | — | HPHC INSURANCE COMPANY | $264 | — | $264 | 1.73% |
| CLARK INSURANCE3 | — | HPHC INSURANCE COMPANY | $253 | — | $253 | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | — | HARVARD PILGRIM HEALTH CARE | $15 | — | $15 | 1.75% |
| CLARK INSURANCE3 | — | HARVARD PILGRIM HEALTH CARE | $14 | — | $14 | 1.63% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 190 | $1.1M |
| Dental | STANDARD INSURANCE COMPANY | 81 | $66K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $57K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $57K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $57K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
No prospect flags tripped on this filing.