| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $26K | $13K | $39K | 4.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $6K | $12K | 19.62% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | UNKNOWN OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $31 | $31 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 10.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 12.67% |
| ANDREA R. HENCHEY3 | 5 EDGEMERE BOULEVARD SHREWSBURY, MA 01545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 5.45% |
| KARIN ANGELIS3 | 2639 NORTH RIVESIDE DRIVE POMPANO BEACH, FL 33062 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $663 | $3K | 5.10% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $659 | $2K | 2.94% |
| MICHAEL R ACKERMAN3 Filed as: MICHAEL R. ACKERMAN | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $127 | $1K | 2.48% |
| MJ INSURANCE3 Filed as: BRIAN S. DEMPSEY AND VARIOUS AGENTS | 60 BAILEY BOULEVARD HAVERHILL, MA 01830 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $75 | $1K | 2.04% |
| ASHLEY MCQUADE3 | 265 BLACKSTONE STREET UXBRIDGE, MA 01569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $735 | $286 | $1K | 1.70% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 153 | $887K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $60K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $60K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $62K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $62K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 153 | $887K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 115 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.