| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 1667 ELM STREET STE 3 MANCHESTER, NH 03101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 6.68% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET STE 460 BOSTON, MA 02127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 4.16% |
| JOHN E OWINGS C/O OWINGS3 Filed as: JOHN E OWINGS C/O OWINGS FINANCIAL | PO BOX 220 HARVARD, MA 01451 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 4.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 1667 ELM STREET STE 3 MANCHESTER, NH 03101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | $0 | $12K | 6.32% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET STE 460 BOSTON, MA 02127 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 4.34% |
| JOHN E OWINGS C/O OWINGS3 | PO BOX 220 HARVARD, MA 01451 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 4.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1667 ELM STREET STE 3 MANCHESTER, NH 03101 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.42% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 | 11 ELKINS STREET STE 450 BOSTON, MA 02127 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 1667 ELM STREET STE 3 MANCHESTER, NH 03101 | LIFE INSURANCE COMPANY OF NORTH AMERICAL | $906 | $0 | $906 | 3.29% |
| BOSTON COMMONWEALTH ADVANTAGE LLC3 Filed as: BOSTON COMMONWEALTH ADVANTAGE | 11 ELKINS STREET STE 460 BOSTON, MA 02127 | LIFE INSURANCE COMPANY OF NORTH AMERICAL | $635 | $0 | $635 | 2.30% |
| JOHN E OWINGS C/O OWINGS3 Filed as: JOHN E OWINGS C/O OWINGS FINANCIAL | PO BOX 220 HARVARD, MA 01451 | LIFE INSURANCE COMPANY OF NORTH AMERICAL | $635 | $0 | $635 | 2.30% |
| S L MILLER INS. AGCY INC.3 Filed as: SL MILLER INSURANCE AGENCY INC | 401 EDGEWATER PLACE STE 220 WAKEFIELD, MA 01880 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EBPA, LLC EIN 20-1879465 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | PO BOX 2365 SOUTH BURLINGTON, VT 05407 | $342K |
| ANTHEM HEALTH PLANS OF NH, INC EIN 02-0510530 SERVICE PROVIDER | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator; Float revenue Service code 12 | 3075 VANDERCAR WAY CINCINNATI, OH 45209 | $155K |
| DELTA DENTAL PLAN OF NH, INC EIN 02-0273013 DENTAL CLAIMS PROCESSING | Claims processing Service code 12 | ONE DELTA DRIVE CONCORD, NH 03302 | $59K |
| BOSTON COMMONWEALTH ADVANTAGE, LLC EIN 45-3122099 BROKER | Insurance agents and brokers Service code 22 | 11 ELKINS STREET STE 460 BOSTON, MA 02127 | $28K |
| HUB INTERNATIONAL NEW ENGLAND, LLC EIN 04-2623673 BROKER | Insurance agents and brokers Service code 22 | 1667 ELM STREET STE 3 MANCHESTER, NH 03101 | $21K |
| JOHN OWINGS EIN 42-8800370 BROKER | Insurance agents and brokers Service code 22 | PO BOX 220 HARVARD, MA 01451 | $5K |
| COMBINED SERVICES, LLC EIN 02-0479434 BROKER | Insurance agents and brokers Service code 22 | — | $3K |
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 | 513 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 513 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNIMERICA INSURANCE COMPANY | 465 | $419K |
| Vision | VISION SERVICE PLAN | 372 | $84K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 513 | $313K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 468 | $198K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 465 | $419K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICAL | 505 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.