| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | RISK STRATEGIES COMPANY 15 PACELLA PARK DRIVE, SUITE 240 RANDOLPH, MA 02368 | HEALTH NEW ENGLAND INC. | $18K | — | $18K | 1.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: FIELDEDDY HUB INTERNATIONAL | 96 SHAKER ROAD P O BOX 709 EAST LONMEADOW, MA 010280709 | HEALTH NEW ENGLAND INC. | $13K | — | $13K | 1.29% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSRANCE BROKERAGE, INC. | RISK STRATEGIES COMPANY 160 FEDERAL ST FLR 4 BOSTON, MA 02110 | DENTA DNETAL PLAN OF NEW HAMPSHIRE, INC. | $5K | — | $5K | 2.34% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | BENEFIT SOLUTIONS P O BOX 1320 CONCORD, NH 033021320 | DENTA DNETAL PLAN OF NEW HAMPSHIRE, INC. | $1K | — | $1K | 0.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE ST WILMINGTON, MA 01887 | DENTA DNETAL PLAN OF NEW HAMPSHIRE, INC. | $968 | — | $968 | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 8.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.09% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.01% |
| EMERSON REID LLC3 | 350 5TH AVE NEW YORK, NY 10118 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $554 | $554 | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 13.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON, 12TH FL CHICAGO, IL 606049300 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | — | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| EMERSON REID LLC3 | 350 5TH AVE # 3700 NEW YORK, NY 10118 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $621 | $621 | 0.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 13.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST, 4TH FL BOSTON, MA 02110 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.66% |
| EMERSON REID LLC3 | 350 5TH AVE # 3700 NEW YORK, NY 10118 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $585 | $585 | 0.55% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | RISK STATEGIES COMPANY 160 FEDERAL ST. FL 4 BOSTON, MA 02110 | RED TREE INSURANCE COMPANY, INC. | $2K | — | $2K | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE ST WILMINGTON, MA 01887 | RED TREE INSURANCE COMPANY, INC. | $398 | — | $398 | 1.62% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES LLC DBA CSONE | BENEFIT SOLUTIONS P BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $339 | — | $339 | 1.38% |
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 | 292 | 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) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND INC. | 86 | $1.0M |
| Dental | DENTA DNETAL PLAN OF NEW HAMPSHIRE, INC. | 509 | $204K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 387 | $25K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 420 | $108K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 380 | $106K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 420 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.