| 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 | $25K | — | $25K | 3.42% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES, INC. | 275 U.S. ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | HARVARD PILGRIM HEALTH CARE | $21 | — | $21 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | HPHC INSURANCE COMPANY | $19K | — | $19K | 3.35% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES, INC. | 275 U.S. ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | HPHC INSURANCE COMPANY | $15 | — | $15 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | HPHC INSURANCE COMPANY | $15K | — | $15K | 3.37% |
| NORTON FINANCIAL SERVICES3 Filed as: NORTON FINANCIAL SERVICES, INC. | 275 U.S. ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | HPHC INSURANCE COMPANY | $12 | — | $12 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | DELTA DENTAL PLAN OF MAINE | $7K | — | $7K | 3.78% |
| NORTON FINANCIAL SERVICES3 | 275 U.S. ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $4K | 5.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.79% |
| 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 | 14.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.93% |
| NORTON FINANCIAL SERVICES3 | 275 U.S. ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $573 | $371 | $944 | 5.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | RED TREE INSURANCE COMPANY, INC. | $761 | — | $761 | 10.09% |
| COMBINED SERVICES LLC3 | DBA CSONE BENEFIT SOLUTIONS PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $114 | — | $114 | 1.51% |
| SAWYER, RICHARD W3 Filed as: SAWYER, RICHARD, W | ONE UNIVERSITY PARK 25 SAWYER ROAD WALTHAM, MA 02154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $200 | — | $200 | 6.48% |
| FENDLER, PETER, JOHN3 | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5 | — | $5 | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | P.O. BOX 709 EAST LONGMEADOW, MA 01028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.87% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 165 | $1.7M |
| Dental | DELTA DENTAL PLAN OF MAINE | 389 | $189K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 122 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 242 | $17K |
| Long-term disability(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 239 | $67K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 242 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.