| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $48K | $48K | 2.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 15.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $24 | $3K | 4.23% |
| ANDREA R. HENCHEY3 | 5 EDGEMERE BOULEVARD SHREWSBURY, MA 01545 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $598 | $2K | 2.58% |
| MJ INSURANCE3 Filed as: MICHAEL ACKERMAN & VARIOUS AGENTS | 435 DEVON PARK DRIVE WAYNE, PA 19087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $82 | $1K | 2.07% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $558 | $129 | $687 | 1.07% |
| MICHELLE HOURIHAN3 | 12 HILLINGTON DRIVE NORTH EASTON, MA 02356 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $490 | $0 | $490 | 0.77% |
| KATHERINE E GREENE3 Filed as: KATHERINE E. GREENE | 153 WELLINGTON AVENUE CRANSTON, RI 02910 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $409 | $41 | $450 | 0.70% |
| CHRISTINE GORDON3 | 123B WARREN AVENUE PLYMOUTH, MA 02360 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $315 | $0 | $315 | 0.49% |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.7M |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $134K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 61 | $64K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $70K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $1.7M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 137 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.