| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $47K | $29K | $76K | 3.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | ALTUS DENTAL INSURANCE COMPANY, INC. | $6K | $0 | $6K | 4.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 9.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | AFLAC | $2K | $0 | $2K | 11.89% |
| BARBARA A. LEONE INC3 Filed as: BARBARA A LEONE INC | 14 SHEPPARD ROAD BOURNE, MA 02562 | AFLAC | $922 | $0 | $922 | 4.91% |
| JENNIFER LYNN WRIGHT3 Filed as: JENNIFER L WRIGHT | 86 BEVERLY ROAD WEST YARMOUTH, MA 02673 | AFLAC | $444 | $0 | $444 | 2.36% |
| SHAW ASSOCIATES INC3 | 3417 73RD STREET, SUITE R 1ST FLOOR SHARON, MA 02067 | AFLAC | $319 | $0 | $319 | 1.70% |
| STACEY L LAGERBLADE3 | 4 HARDING AVENUE PLYMOUTH, MA 02360 | AFLAC | $233 | $0 | $233 | 1.24% |
| JAMES P SEYMOUR3 | 32 LAKEFIELD ROAD SOUTH YARMOUTH, MA 02664 | AFLAC | $221 | $0 | $221 | 1.18% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 302 | $2.5M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 323 | $137K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $111K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $111K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $93K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 302 | $2.5M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 225 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.