| 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 HEALTHCARE | $41K | $0 | $41K | 1.57% |
| JENNIFER LYNN WRIGHT3 Filed as: JENNIFER WRIGHT | 86 BEVERLY ROAD WEST YARMOUTH, MA 02673 | AFLAC | $21K | $1K | $22K | 10.89% |
| THERESA M. WHELAN INC3 Filed as: THERESA M WHELAN, INC. | 22 WILDFLOWER LANE YARMOUTH PORT, MA 02675 | AFLAC | $4K | $0 | $4K | 2.18% |
| BARBARA A. LEONE INC3 Filed as: BARBARA A LEONE, INC. | 14 SHEPPARD ROAD SAGAMORE BEACH, MA 02562 | AFLAC | $4K | $280 | $4K | 1.98% |
| SHAW ASSOCIATES INC3 Filed as: SHAW ASSOCIATES, INC. | 222 FORBES ROAD, SUITE 100 BRAINTREE, MA 02184 | AFLAC | $4K | $280 | $4K | 1.85% |
| SINAPI INSURANCE ASSOCIATES INC3 Filed as: SINAPI INS. ASSOC AND VARIOUS AGENT | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $1K | $0 | $1K | 0.60% |
| KAREN LAROCHE3 | 15 TANGLEWOOD TRAIL NARRAGANSETT, RI 02882 | AFLAC | $682 | $0 | $682 | 0.33% |
| LYNN MUMMA3 | 9377 BREAMORE CT. LAUREL, MD 20723 | AFLAC | $466 | $0 | $466 | 0.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | HPHC JOINT VENTURE UHG | $2K | $0 | $2K | 1.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | $3K | $0 | $3K | 4.07% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTHCARE | 206 | $2.7M |
| Dental | DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 198 | $75K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTHCARE | 206 | $2.7M |
| Other | AFLAC | 128 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.