| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 600 LONGWATER DRIVE NORWELL, MA 02061 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $118K | $151K | $269K | 25.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGALND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $930 | $35K | 14.99% |
| ANDREA R. HENCHEY3 Filed as: ANDREA R HENCHEY | 5 EDGEMERE BOULEVARD SHREWSBURY, MA 01545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $15K | $26K | 11.17% |
| ALBERT CASTANEDA3 | 132 SOUTH ZUNI ROAD SAINT CLOUD, FL 34771 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | $8K | $24K | 10.32% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $4K | $7K | 3.17% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $3K | $7K | 3.09% |
| BENECHOICE ENROLLMENT SOLUTIONS3 | 1028 FREEDOM STREET LITITZ, PA 17543 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $695 | $4K | 1.92% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 1.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 4.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 10.00% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | $0 | $974 | $974 | 2.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | THE PAUL REVERE LIFE INSURANCE COMPANY | $824 | $0 | $824 | 3.52% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | THE PAUL REVERE LIFE INSURANCE COMPANY | $577 | $0 | $577 | 2.46% |
| ANDREA R. HENCHEY3 Filed as: ANDREA R HENCHEY | 5 EDGEMERE BOULEVARD SHREWSBURY, MA 01545 | THE PAUL REVERE LIFE INSURANCE COMPANY | $288 | $24 | $312 | 1.33% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $224 | $2 | $226 | 0.96% |
| ASHELY MCQUADE3 | 265 BLACKSTONE STREET UXBRIDGE, MA 01569 | THE PAUL REVERE LIFE INSURANCE COMPANY | $151 | $0 | $151 | 0.64% |
| MS HEALTH ECONOMICS CONSULTANTS LLC3 Filed as: MS HEALTH ECONOMICS CONSULTANT LLC | 10459 SW 78TH STREET MIAMI, FL 33173 | THE PAUL REVERE LIFE INSURANCE COMPANY | $136 | $9 | $145 | 0.62% |
| KIH INSURANCE INC3 | 886 POPLAT LANE WATERTOWN, MN 38057 | THE PAUL REVERE LIFE INSURANCE COMPANY | $114 | $22 | $136 | 0.58% |
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 | 284 | 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) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 231 | $1.1M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 299 | $100K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 299 | $100K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 284 | $293K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 154 | $254K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 284 | $39K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 231 | $1.1M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 284 | $293K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.