| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 299 BALLARDVALLE STREET WILMINGTON, MA 01887 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | $72K | $53K | $125K | 2.05% |
| THE GAUDREAU GROUP INC.3 | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | $51K | $0 | $51K | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 299 BALLARDVALLE STREET WILMINGTON, MA 01887 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $4K | $0 | $4K | 1.18% |
| THE GAUDREAU GROUP INC.3 | 2377 BOSTON ROAD WILBRAHAM, MA 01095 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | $3K | $0 | $3K | 0.82% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENVUE BOSTON, MA 02199 | USABLE LIFE | $32K | — | $32K | 25.00% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENVUE BOSTON, MA 02199 | USABLE LIFE | $30K | — | $30K | 24.98% |
| INDIGO INSURANCE SERVICES3 | ATTN RICK CELLA 101 HUNTINGTON AVENVUE BOSTON, MA 02199 | USABLE LIFE | $17K | — | $17K | 25.00% |
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 | 671 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 671 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC. | 504 | $6.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS INC | 387 | $366K |
| Long-term disability | USABLE LIFE | 608 | $118K |
| Other(2 contracts) | USABLE LIFE | 671 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.