| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 300 BALLARDVALE ST WILMINGTON, MA 01887 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $44K | $40K | $83K | 1.19% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON STREET SUITE 400 BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $56K | — | $56K | 0.79% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $2K | $4K | 3.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE ST WILMINGTON, MA 01887 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.98% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON STREET, SUITE 400 BRAINTREE, MA 02184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.44% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON STREET SUITE 400 BRAINTREE, MA 02184 | SUNLIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 3.70% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | SUNLIFE ASSURANCE COMPANY OF CANADA | $2K | $2K | $4K | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE ST WILMINGTON, MA 01887 | SUNLIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 2.25% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON STREET SUITE 400 BRAINTREE, MA 02184 | SUNLIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 6.60% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | SUNLIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 300 BALLARDVALE ST WILMINGTON, MA 01887 | BLUE CROSS BLUE SHIELD | $2K | — | $2K | 6.27% |
| BAYSTATE BENEFIT SERVICES3 | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | BLUE CROSS BLUE SHIELD | $1K | — | $1K | 3.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL LLC BROKER | Other commissions Service code 55 | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | $4K |
| BAYSTATE BENEFIT SERVICES BROKER | Other commissions Service code 55 | 400 WASHINGTON ST SUITE 400 BRAINTREE, MA 02184 | $3K |
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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 306 | $7.0M |
| Vision | BLUE CROSS BLUE SHIELD | 248 | $34K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 369 | $114K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 369 | $105K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 369 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.