| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEAN K. RUSSELL3 | 299 BALLARDVALE ST STE 1 WILMINGTON, MA 01887 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $13K | — | $13K | 7.61% |
| INDIGO INSURANCE SVC3 | 5TH FLOOR 446 MAIN STREET WORCESTER, MA 01608 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $12K | — | $12K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 299 BALLARDVALE ST WILMINGTON, MA 01887 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 299 BALLARDVALE ST WILMINGTON, MA 01887 | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | — | $1K | 1.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 4.67% |
| BENEFITSMART3 Filed as: BENEFITSMART LLC | 1A SPRUCE HILL ROAD BURLINGTON, MA 01803 | SUN LIFE ASSURANCE COMPANY OF CANADA | $779 | — | $779 | 1.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE ST WILMINGTON, MA 01887 | ADVANTICA, INC. | $97 | — | $97 | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE | 299 BALLARDVALE ST WILMNGTON, MA 01887 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $1K | — | $1K | — |
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 | 250 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 264 | $0 |
| Dental | BLUE CROSS & BLUE SHIELD OF MASSACHUSETTS, INC. | 261 | $54K |
| Vision | ADVANTICA, INC. | 202 | $808 |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 443 | $172K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $43K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 443 | $172K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 264 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.