| 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 | HARVARD PILGRIM HEALTH CARE | $46K | $0 | $46K | 4.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | PO BOX 2158 RIVERSIDE, CA 92506 | ALTUS DENTAL INSURANCE COMPANY, INC. | $5K | $0 | $5K | 6.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 10.56% |
| ANDREA R. HENCHEY3 | 5 EDGEMERE BOULEVARD SHREWBURY, MA 01545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $718 | $52 | $770 | 2.33% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $562 | $136 | $698 | 2.11% |
| PARTICIA DASILVA3 | 22A TAMARAC DRIVE SMITHFIELD, RI 02828 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $503 | $34 | $537 | 1.62% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $287 | $0 | $287 | 0.87% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $238 | $0 | $238 | 0.72% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE NETWORK OF NEW ENGLAND | PO BOX 178 NEW PORT, RI 02840 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $137 | $0 | $137 | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $719 | $5K | 15.56% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 153 | $1.1M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 163 | $75K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $33K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 153 | $1.1M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 154 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.