| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN SPRINGFIELD, MA 01103 | HEALTH NEW ENGLAND, INC. | $22K | — | $22K | 3.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | UNKNOWN SPRINGFIELD, MA 01103 | RENAISSANCE | $3K | $0 | $3K | 12.81% |
| STRANGLE AND DENIGRIS3 | UNKNOWN SPRINGFIELD, MA 01103 | RENAISSANCE | $669 | $0 | $669 | 3.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $843 | $371 | $1K | 18.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | UNKNOWN SPRINGFIELD, MA 01103 | CHUBB | $226 | $0 | $226 | 167.41% |
| STRANGLE AND DENIGRIS3 | UNKNOWN SPRINGFIELD, MA 01103 | CHUBB | $57 | $0 | $57 | 42.22% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 62 | $1.4M |
| Life insurance | RENAISSANCE | 161 | $21K |
| Short-term disability | RENAISSANCE | 161 | $21K |
| Long-term disability(2 contracts, 2 carriers) | RENAISSANCE | 161 | $27K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 62 | $1.4M |
| Other(2 contracts, 2 carriers) | ESI EMPLOYEE ASSISTANCE GROUP | 295 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
No prospect flags tripped on this filing.