| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENLAND, LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | HPHC INSURANCE COMPANY, INC. | $43K | $20K | $64K | 22.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUBINTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALE ST WILMINGTON, MA 01877 | RELIANCE STANDARD LIFE INSURANCE CO | $3K | — | $3K | 1.71% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | RELIANCE STANDARD LIFE INSURANCE CO | $1K | — | $1K | 0.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINTON, MA 01887 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.26% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $181 | — | $181 | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 7.40% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE 1 CUMBERLAND FORESIDE, ME 04110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $113 | — | $113 | 0.43% |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC INSURANCE COMPANY, INC. | 428 | $289K |
| Dental | RELIANCE STANDARD LIFE INSURANCE CO | 466 | $163K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 391 | $27K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 391 | $43K |
| Stop-loss / reinsurancereinsurance | HPHC INSURANCE COMPANY, INC. | 428 | $289K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 391 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.