| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNITED BENEFIT SOLUTIONS LLC3 | 100 MERRICK ROAD SUITE 526W ROCKVILLE CENTER, NY 11570 | UNITEDHEALTHCARE INSURANCE COMPANY | $95K | — | $95K | 2.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 0.54% |
| UNITED BENEFIT SOLUTIONS LLC3 Filed as: UNITED BENEFIT SOLUTIONS, LLC | 100 MERRICK ROAD SUITE 526W ROCKVILLE CENTRE, NY 11570 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $7K | $3K | $9K | 4.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $2K | — | $2K | 0.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 NORTH LASALLE STREET FLOOR 20 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.46% |
| UNITED BENEFIT SOLUTIONS LLC3 | 100 MERRICK ROAD SUITE 526 WEST ROCKVILLE CENTRE, NY 11570 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.84% |
| UNITED BENEFIT SOLUTIONS LLC3 | 100 MERRICK ROAD SUITE 526 WEST ROCKVILLE CENTRE, NY 11570 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$2K | — | -$2K | -1.51% |
| UNITED BENEFIT SOLUTIONS LLC3 | 100 MERRICK ROAD SUITE 526 WEST ROCKVILLE CENTRE, NY 11570 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.69% |
| UNITED BENEFIT SOLUTIONS LLC3 | 100 MERRICK ROAD SUITE 526 WEST ROCKVILLE CENTRE, NY 11570 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $822 | — | $822 | 1.07% |
| UNITED BENEFIT SOLUTIONS LLC3 | 100 MERRICK ROAD SUITE 526 WEST ROCKVILLE CENTRE, NY 11570 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 10.58% |
| UNITED BENEFIT SOLUTIONS LLC3 Filed as: UNITED BENEFIT SOLUTIONS, LLC | 100 MERRICK ROAD SUITE 526W ROCKVILLE CENTRE, NY 11570 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 7.08% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: HUB INTL NEW ENGLAND, LLC | PO BOX 696 WILMINGTON, MA 01887 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $879 | — | $879 | 2.99% |
| UNITED BENEFIT SOLUTIONS LLC3 | 100 MERRICK ROAD SUITE 526 WEST ROCKVILLE CENTRE, NY 11570 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| UNITED BENEFIT SOLUTIONS LLC3 | 100 MERRICK ROAD SUITE 526 WEST ROCKVILLE CENTRE, NY 11570 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| FNA INSURANCE SERVICES INC3 | 100 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $411 | $411 | 5.01% |
| UNITED BENEFIT SOLUTIONS LLC3 | 100 MERRICK ROAD SUITE 526 WEST ROCKVILLE CENTRE, NY 11570 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $474 | — | $474 | 6.94% |
| UNITED BENEFIT SOLUTIONS LLC3 | 100 MERRICK ROAD SUITE 526 WEST ROCKVILLE CENTRE, NY 11570 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $337 | — | $337 | 4.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 NORTH LASALLE STREET FLOOR 20 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $175 | $175 | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $73 | — | $73 | 1.07% |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 482 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 576 | $3.9M |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 576 | $225K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 336 | $29K |
| Life insurance(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 489 | $207K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $7K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 514 | $77K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 489 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 576 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.