| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1667 ELM STREET, SUITE 3 MANCHESTER, NH 03101 | BLUE CROSS BLUE SHIELD OF MASSACHUSSETS, INC. | $106K | $26K | $133K | 3.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | DELTA DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $8K | — | $8K | 3.02% |
| BRANDON R ROYCE3 Filed as: BRANDON R. ROYCE | 29 CRAFTS STREET, SUITE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 9.35% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 29 CRAFTS STREET, SUITE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 4.80% |
| WEX INC3 Filed as: WEX, INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $498 | — | $498 | 0.53% |
| MAUREEN E SNOW3 Filed as: MAUREEN E. SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 0.15% |
| DANIEL P CLARK3 Filed as: DANIEL L. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $137 | — | $137 | 0.15% |
| MJ INSURANCE3 Filed as: NATHAN A. HUMMER AND VARIOUS AGENTS | 9 TOWNSEND ROAD LYNNEFIRLD, MA 01940 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | — | $91 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES, INC. | 1667 ELM STREET MANCHESTER, NH 03101 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $8K | — | $8K | 9.94% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS. GROUP, LLC | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 1.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 01179 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $858 | — | $858 | 1.12% |
| DAVID GAGNON3 Filed as: DAVID A. HUNTER | PO BOX 354 READING, MA 01867 | STANDARD INSURANCE COMPANY | $461 | — | $461 | 9.39% |
| GENERAL AGENT CENTER INC3 Filed as: GENERAL AGENT CENTER, INC. | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $312 | — | $312 | 6.36% |
| DAVID R. LARRIVEE3 | 1667 ELM STREET, SUITE 3 MANCHESTER, NH 03110 | STANDARD INSURANCE COMPANY | $117 | — | $117 | 2.38% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSSETS, INC. | 541 | $3.9M |
| Dental | DELTA DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 694 | $272K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSSETS, INC. | 541 | $3.9M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 509 | $77K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 459 | $93K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 509 | $82K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSSETS, INC. | 541 | $3.9M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 509 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 694 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.