| 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. | $33K | $14K | $47K | 3.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | DELTA DENTAL OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $4K | $0 | $4K | 3.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 600 LONGWATER DRIVE WILMINGTON, MA 01887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $707 | $9K | 16.11% |
| MJ INSURANCE3 Filed as: KRISTY COLGATE AND VARIOUS AGENTS | 43 MAGILL DRIVE GRAFTON, MA 01519 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $4K | 8.40% |
| CHELSEA TURGEON3 Filed as: CHELSEA TURGEN | 197 LORENZO STREET WORCHESTER, MA 01604 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $641 | $4K | 6.92% |
| ANDREA R. HENCHEY3 | 5 EDGEMERE BOULEVARD SHREWBURY, MA 01545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $631 | $2K | 4.23% |
| CHRISTINE GORDON3 | 73 WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $910 | $26 | $936 | 1.77% |
| CHARLES S HOURIHAN3 Filed as: CHARLES S. HOURIHAN | 12 HILLINGTON DRIVE NORTH EASTON, MA 02356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $811 | $0 | $811 | 1.53% |
| KATHERINE E GREENE3 Filed as: KATHERINE E. GREENE | 153 WELLINGTON AVENUE CRANSTON, RI 02910 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $445 | $31 | $476 | 0.90% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOICATES, INC. | 1655 RICHMOND AVENUE STATEN ISLAND, NY 01887 | FEDERAL INSURANCE COMPANY | $663 | $0 | $663 | 19.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 300 BALLARDVALE STREET LOBBY 2 WILMINGTON, MA 01887 | FEDERAL INSURANCE COMPANY | $497 | $0 | $497 | 14.99% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 179 | $1.3M |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 206 | $124K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $115K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 63 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $62K |
| Prescription drug | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | 179 | $1.3M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 119 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.