| 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 MASSACHUSSETTS, INC. | $116K | $36K | $152K | 3.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS.SVCES., INC. | 1667 ELM STREET MANCESTER, NH 03101 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 4.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 299 BALLARDVALE STREET SUITE 2 WILMINGTON, MA 01887 | METROPOLITAN LIFE INSURANCE COMPANY | — | $430 | $430 | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES, INC. | 1667 ELM STREET MANCHESTER, NH 03101 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $9K | — | $9K | 9.90% |
| 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 | 1.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 01179 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $300 | — | $300 | 0.35% |
| BRANDON R ROYCE3 Filed as: BRANDON R. ROYCE | 29 CRAFTS STREET, SUITE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 11.10% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 29 CRAFTS STREET, SUITE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.25% |
| WEX INC3 Filed as: WEX, INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $449 | — | $449 | 1.89% |
| DANIEL P CLARK3 Filed as: DANIEL P. CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | — | $119 | 0.50% |
| MAUREEN E SNOW3 Filed as: MAUREEN E. SNOW | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $20 | — | $20 | 0.08% |
| LYNN WARDLAW3 | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.05% |
| MJ INSURANCE3 Filed as: NATHAN A. HUMMER AND VARIOUS AGENTS | 9 TOWNSEND ROAD LYNNFIELD, MA 01940 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| GENERAL AGENT CENTER INC3 Filed as: GENERAL AGENT CENTER, INC. | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 20.73% |
| DAVID R. LARRIVEE3 | 1667 ELM STREET, SUITE 3 MANCHESTER, NH 03110 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 16.85% |
| DAVID GAGNON3 Filed as: DAVID A. HUNTER | PO BOX 354 READING, MA 01867 | STANDARD INSURANCE COMPANY | $222 | — | $222 | 3.30% |
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 | 583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSSETTS, INC. | 562 | $3.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 718 | $255K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSSETTS, INC. | 562 | $3.9M |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 570 | $87K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 538 | $24K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 570 | $94K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSSETTS, INC. | 562 | $3.9M |
| Other(2 contracts, 2 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 570 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.