| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 1480 NORTH SCOTTSDALE ROAD, SUITE 2 SCOTTSDALE, AZ 85254 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $112K | $0 | $112K | 2.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $38K | $18K | $56K | 1.13% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 446 MAIN STREET, 5TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $18K | $18K | 5.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON, SUITE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $0 | $14K | $14K | 4.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 3.38% |
| ABG INSURANCE AGENCY, INC.3 Filed as: ABG INSURANCE AGENCY INC. | 78 PLEASANT STREET, SUITE 300 WORCESTER, MA 01609 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 1.50% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 1.05% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 14.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVILLE STREET WILMINGTON, MA 01887 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $4K | $8K | 11.22% |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 638 | $5.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 355 | $308K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 355 | $308K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 355 | $308K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 638 | $5.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 355 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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.