| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EASTERN INSURANCE GROUP LLC3 | 233 WEST CENTRAL STREET NATICK, MA 01760 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $46K | $46K | 3.01% |
| EASTERN INSURANCE3 Filed as: EASTERN GROUP LLC | 100 QUANNAPOWITT PARKWAY SUITE 400 WAKEFIELD, MA 01880 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | METROPOLITAN LIFE INSURANCE COMPANY | $365 | $0 | $365 | 0.29% |
| EASTERN INSURANCE GROUP LLC3 | PO BOX 4000 WAKEFIELD, MA 01880 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 8.37% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: HUIB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | SUN LIFE ASSURANCE COMPANY OF CANADA | $819 | $0 | $819 | 1.50% |
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 | 168 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 307 | $126K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $54K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $54K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $54K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $1.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 168 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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.
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.