| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | UNKNOWN WAKEFIELD, MA 01880 | HARVARD PILGRIM HEALTH CARE | $34K | $0 | $34K | 3.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 2158 RIVERSIDE, CA 92516 | ALTUS DENTAL INSURANCE COMPANY, INC. | $4K | $0 | $4K | 6.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 100 CENTRAL STREET, SUITE 201 HOLLISTON, MA 01746 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 16.28% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $30 | $30 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $3 | $3K | 10.90% |
| ANDREA R. HENCHEY3 | 5 EDGEMERE BOULEVARD SHREWSBURY, MA 01545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $546 | $77 | $623 | 2.68% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $344 | $30 | $374 | 1.61% |
| MJ INSURANCE3 Filed as: ROBERT D. STEBBINS & VARIOUS AGENTS | 25 STANDISH AVENUE SCITUATE, MA 02066 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $257 | $16 | $273 | 1.18% |
| MARY-JOYCE LICATA3 | 24 CORIANDER LANE NORTH KINGSTOWN, RI 02852 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $237 | $0 | $237 | 1.02% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $169 | $11 | $180 | 0.78% |
| KATHERINE E GREENE3 Filed as: KATHERINE E. GREENE | 153 WELLINGTON AVENUE CRANSTON, RI 02910 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | $11 | $170 | 0.73% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 119 | $1.1M |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 131 | $66K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 159 | $37K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 159 | $37K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 119 | $1.1M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 159 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.