| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN | ONE MONARCH PLACE SUITE 1500 SPRINGFIELD, MA 01144 | HEALTH NEW ENGLAND | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1070 SUFFIELD STREET AGAWAM, MA 01001 | COLONIAL LIFE | $9K | $0 | $9K | 6.90% |
| CAROL JACQUES3 | 143 TIMROD TRAIL GLASTONBURY, CT 06033 | COLONIAL LIFE | $7K | $729 | $8K | 6.29% |
| KERRY PARSONS3 | 20 PEARSON ROAD HOLYOKE, MA 01040 | COLONIAL LIFE | $2K | $353 | $2K | 1.76% |
| ARNE C EKSTROM3 | 150 CANTERBURY WAY WEST SPRINGFIELD, MA 01089 | COLONIAL LIFE | $2K | $0 | $2K | 1.58% |
| BRIAN STEBBINS3 | 1707 NORTH HAMPTON STREET HOLYOKE, MA 01040 | COLONIAL LIFE | $1K | $753 | $2K | 1.56% |
| MJ INSURANCE3 Filed as: PIO ANDRES ORTIZ AND VARIOUS AGENTS | 5 BROOK ROAD ENFIELD, CT 06082 | COLONIAL LIFE | $2K | $22 | $2K | 1.48% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE | $1K | $615 | $2K | 1.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1070 SUFFIELD STREET AGAWAM, MA 01001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON 12TH FLOOR CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $301 | $301 | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEASTLLC | 1070 SUFFIELD STREET AGAWAM, MA 01001 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $39 | $0 | $39 | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | VISION SERVICE PLAN | $605 | $0 | $605 | 5.47% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: INSURANCE CENTER OF NEW ENGLAND INC | PO BOX 1230 AGAWAM, MA 01001 | VISION SERVICE PLAN | $183 | $0 | $183 | 1.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1070 SUFFIELD STREET PO BOX 1230 AGAWAM, MA 01001 | GUARDIAN | $2K | $0 | $2K | 20.90% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH NEW ENGLAND | 104 | $1.8M |
| Dental | GUARDIAN | 141 | $11K |
| Vision | VISION SERVICE PLAN | 92 | $11K |
| Life insurance(2 contracts, 2 carriers) | COLONIAL LIFE | 132 | $141K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 132 | $15K |
| Prescription drug | HEALTH NEW ENGLAND | 104 | $1.8M |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE | 132 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.