| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 300 BALLARDVALE STREET WILMINGTON, MA 018871012 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.37% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON INSURANCE AGENCY, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 018871012 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 300 BALLARDVALE STREET WILMINGTON, MA 018871012 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $48 | $3K | — |
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 | 1,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,091 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH NEW ENGLAND, INC. | 1,812 | $6.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,812 | $636K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,812 | $636K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,812 | $636K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 209 | $74K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,812 | $636K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,812 | $636K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,812 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.