| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $45K | $15K | $61K | 3.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 13.46% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN ATTLEBORO, MA 02703 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $0 | $5K | 9.85% |
| ANDREA R. HENCHEY3 | 5 EDGEMERE BOULEVARD SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $964 | $32 | $996 | 2.17% |
| MJ INSURANCE3 Filed as: KATHERINE GREENE AND VARIOUS AGENTS | 153 WELLINGTON AVENUE, 1ST FLOOR CRANSTON, RI 02910 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $396 | $17 | $413 | 0.90% |
| ASHELY MCQUADE3 | 265 BLACKSTONE STREET UXBRIDGE, MA 01569 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $390 | $0 | $390 | 0.85% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LTD. | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $335 | $22 | $357 | 0.78% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $258 | $15 | $273 | 0.59% |
| PIO ANDRES ORTIZ3 | 5 BROOK ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $207 | $0 | $207 | 0.45% |
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 | 166 | 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) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 350 | $1.9M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 350 | $1.9M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 350 | $1.9M |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 166 | $104K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 41 | $46K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 166 | $58K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 350 | $1.9M |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 166 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.