| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET, SUITE 2 WILMINGTON, MA 01887 | HPHC JOINT VENTURE UHG | $172K | $0 | $172K | 0.60% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY | 177 MILK STREET, SUITE 310 BOSTON, MA 02109 | HPHC JOINT VENTURE UHG | $130K | $0 | $130K | 0.45% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY | 177 MILK STREET, SUITE 310 BOSTON, MA 02109 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 1.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET, SUITE 2 WILMINGTON, MA 01887 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 0.85% |
| BULFINCH GROUP INSURANCE AGENCY3 Filed as: BULFINCH GROUP INSURANCE AGENCY LLC | 160 GOULD STREET #310, SUITE 1425 NEW YORK, NY 10006 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
| HPHC INSURANCE AGENCY, INC.3 | 93 WORCESTER STREET WELLESLEY HILLS, MA 02481 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$23K | $0 | -$23K | -1.33% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY | 177 MILK STREET, SUITE 310 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | $138K | $0 | $138K | 9.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 600 LONGWATER DRIVE NORWELL, MA 02061 | HARTFORD LIFE AND ACCIDENT | $102K | $0 | $102K | 7.17% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY | 177 MILK STREET, SUITE 310 BOSTON, MA 02109 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 3.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.45% |
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 | 2,221 | 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) | 2,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HPHC JOINT VENTURE UHG | 2,395 | $28.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,929 | $1.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF COMBINED INSURANCE COMPANY OF AMERICA | 3,724 | $203K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,234 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,234 | $1.4M |
| Prescription drug | HPHC JOINT VENTURE UHG | 2,395 | $28.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 2,234 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,724 | — |
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.