| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | HARVARD PILGRIM HEALTH CARE | $16K | — | $16K | 2.31% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES INC. | 275 U.S. ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | HARVARD PILGRIM HEALTH CARE | $8K | — | $8K | 1.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | HPHC INSURANCE COMPANY | $14K | — | $14K | 2.31% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES INC. | 275 U.S. ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | HPHC INSURANCE COMPANY | $7K | — | $7K | 1.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | HPHC INSURANCE COMPANY | $9K | — | $9K | 2.32% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES INC. | 275 U.S. ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | HPHC INSURANCE COMPANY | $5K | — | $5K | 1.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | DELTA DENTAL PLAN OF MAINE | $6K | — | $6K | 3.20% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES INC. | 275 U.S. ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | DELTA DENTAL PLAN OF MAINE | $1K | — | $1K | 0.61% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES INC. | 275 U.S. ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON SUITE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $464 | $464 | 0.71% |
| 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 | $7K | — | $7K | 14.80% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES INC. | 275 U.S. ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON SUITE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $132 | $132 | 0.71% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON SUITE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $129 | $129 | 0.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | RED TREE INSURANCE COMPANY, INC. | $672 | — | $672 | 9.08% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $101 | — | $101 | 1.37% |
| SAWYER, RICHARD W3 Filed as: SAWYER, RICHARD, W | ONE UNIVERSITY PARK 25 SAWYER ROAD WALTHAM, MA 02154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $274 | — | $274 | 6.91% |
| FENDLER, PETER, JOHN3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | P.O. BOX 709 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.94% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 159 | $1.7M |
| Dental | DELTA DENTAL PLAN OF MAINE | 399 | $182K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 130 | $7K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $37K |
| Long-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 245 | $72K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 245 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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.