| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $29K | $10K | $39K | 4.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 299 BALLARDVALE STREET WILMINTON, MA 01887 | DENTAL SERVICE OF MASSACHUSETTS, INC., DBA DELTA DENTAL OF MA | $5K | $114 | $5K | 4.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 14.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $77 | $1K | 4.89% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $984 | $2 | $986 | 3.49% |
| CHARLES S HOURIHAN3 Filed as: CHARLES S. HOURIHAN | 12 HILLINGTON DRIVE NORTH EASTON, MA 02356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $971 | — | $971 | 3.43% |
| MICHAEL S OBERLANDER3 Filed as: MICHAEL OBERLANDER AND OTHER AGENTS | PO BOX 171 REHOBOTH, MA 02769 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $309 | $1 | $310 | 1.10% |
| KRISTY COLGATE3 | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $237 | — | $237 | 0.84% |
| JASON HARTMAN3 Filed as: JASON C. SHAPIRO | 41 BRENTON STREET LITCHFIELD, NH 03052 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $196 | — | $196 | 0.69% |
| DB INSURANCE INC3 Filed as: DB INSURANCE, INC. | 10 PEACH TREE LANE DANVERS, MA 01923 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $86 | $84 | $170 | 0.60% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 161 | $929K |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC., DBA DELTA DENTAL OF MA | 191 | $115K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $52K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $52K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 161 | $929K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.