| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, INC. | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $8K | 4.80% |
| IMA, INC.3 | 1705 17TH STREET DENVER, CO 80202 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, INC. | PO BOX 696 WILMINGTON, MA 01887 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 10.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | $0 | $9K | $9K | 7.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, INC. | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $862 | $9 | $871 | 3.56% |
| BRIAN STEBBINS3 | 1707 NORTHAMPTON STREET 1ST FLOOR HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $480 | $196 | $676 | 2.77% |
| DAVID MCGEARY3 | 87 BLUEBERRY HILL ROAD LONGMEADOW, MA 01106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $326 | $4 | $330 | 1.35% |
| ARNE C EKSTROM3 Filed as: ARNE C. EKSTROM AND OTHER AGENTS | 150 CANTERBURY WAY WEST SPRINGFIELD, MA 01089 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $252 | $0 | $252 | 1.03% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $171 | $20 | $191 | 0.78% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD. | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $126 | $37 | $163 | 0.67% |
| THEODORE W. ZIENCINA3 | 75 LENOX CIRCLE EAST LONGMEADOW, MA 01028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $162 | $0 | $162 | 0.66% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $159K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 195 | $159K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 311 | $143K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 311 | $118K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 311 | $118K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 311 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.