| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | UNKNOWN CAMBRIDGE, MA 02141 | HARVARD PILGRIM HEALTH CARE | $369K | $0 | $369K | 2.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $5K | $31K | 3.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 600 LONGWATER DRIVE NORWELL, MA 02061 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28K | $0 | $28K | 3.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | PO BOX 696 WILMINGTON, MA 01887 | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | $19K | $0 | $19K | 22.40% |
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 | 1,239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTH CARE | 1,239 | $15.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,783 | $926K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE COMBINED INSURANCE CO. OF AMERICA | 1,579 | $84K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,239 | $735K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,239 | $735K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,239 | $735K |
| Prescription drug | HARVARD PILGRIM HEALTH CARE | 1,239 | $15.9M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,239 | $735K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,783 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.