| 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. | $54K | $21K | $75K | 3.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | TUFTS INSURANCE COMPANY, INC. | $12K | $5K | $18K | 3.20% |
| JENNIFER LYNN WRIGHT3 | 86 BEVERLY ROAD WEST YARMOUTH, MA 02673 | AFLAC | $20K | $593 | $20K | 11.54% |
| BRENDAN W. ARMY3 | 86 BEVERLEY ROAD WEST YARMOUTH, MA 02673 | AFLAC | $6K | $170 | $6K | 3.67% |
| BARBARA A. LEONE INC3 Filed as: BARBARA A. LEONE | 14 SHEPPARD ROAD SAGAMORE BEACH, MA 02562 | AFLAC | $5K | $119 | $5K | 3.11% |
| SHAW ASSOCIATES INC3 Filed as: SHAW ASSOCIATES INC. | 222 FORBES ROAD, SUITE 100 BRAINTREE, MA 02184 | AFLAC | $4K | $119 | $4K | 2.42% |
| THERESA M. WHELAN INC3 Filed as: THERESA M. WHELAN INC. | 22 WILDFLOWER LANE YARMOUTH PORT, MA 02675 | AFLAC | $3K | $0 | $3K | 1.73% |
| ROBERT LAROCHE JR3 Filed as: ROBERT LAROCHE JR. AND OTHER AGENTS | 451 WESTMORELAND LANE SAUNDERSTOWN, RI 02874 | AFLAC | $2K | $0 | $2K | 0.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET, SUITE 2 WILMINGTON, MA 01887 | AFLAC | $91 | $0 | $91 | 0.05% |
| 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 | $4K | $963 | $5K | 6.28% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 275 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 317 | $2.8M |
| Dental | DENTAL SERVICES OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL OF MA | 208 | $78K |
| Life insurance | AFLAC | 146 | $176K |
| Short-term disability | AFLAC | 146 | $176K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 317 | $2.2M |
| Other | AFLAC | 146 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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.