| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | UNKNOWN ANDOVER, MA 01810 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $130K | $39K | $169K | 3.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 1667 ELM STREET MANCHESTER, NH 03101 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $0 | $14K | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET SUITE 2 WILMINGTON, MA 01887 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.87% |
| BRANDON R ROYCE3 | 29 CRAFTS SUITE 500 NEWTON, MA 02458 | CONTINENTAL AMERICAN - AFLAC | $15K | $0 | $15K | 15.07% |
| STEVEN R KARAS3 | 29 CRAFTS STREET SUITE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN - AFLAC | $6K | $0 | $6K | 5.83% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN - AFLAC | $1K | $0 | $1K | 1.23% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN - AFLAC | $1K | $0 | $1K | 1.04% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN - AFLAC | $328 | $0 | $328 | 0.34% |
| MJ INSURANCE3 Filed as: DANIEL CLARK AND VARIOUS AGENTS | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN - AFLAC | $96 | $0 | $96 | 0.10% |
| MAUREEN E SNOW3 | 68 WINDGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN - AFLAC | $37 | $0 | $37 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | 1667 ELM STREET MANCHESTER, NH 03101 | LIBERTY MUTUAL INSURANCE | $9K | $0 | $9K | 13.95% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 | 1120 SANCTUARY PARKWAY SUITE 375 MANCHESTER, NH 03101 | LIBERTY MUTUAL INSURANCE | $0 | $2K | $2K | 2.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 600 LONGWATER DRIVE MANCHESTER, NH 03101 | LIBERTY MUTUAL INSURANCE | $0 | $1K | $1K | 2.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1167 ELM STREET SUITE 3 MANCHESTER, NH 03101 | EYEMED VISION CARE | $2K | $0 | $2K | 5.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1667 ELM STREET SUITE 3 MANCHESTER, NH 03101 | EYEMED VISION CARE | $874 | $0 | $874 | 3.12% |
| GENERAL AGENT CENTER INC3 | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $443 | $0 | $443 | 11.51% |
| DAVID R. LARRIVEE3 Filed as: DAVID R LARRIVEE | 1667 ELM STREET SUITE 3 MANCHESTER, NH 03110 | STANDARD INSURANCE COMPANY | $142 | $0 | $142 | 3.69% |
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 | 653 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 659 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 595 | $4.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 776 | $274K |
| Vision | EYEMED VISION CARE | 420 | $28K |
| Life insurance | LIBERTY MUTUAL INSURANCE | 583 | $63K |
| Short-term disability | CONTINENTAL AMERICAN - AFLAC | 528 | $98K |
| Long-term disability(2 contracts, 2 carriers) | LIBERTY MUTUAL INSURANCE | 583 | $67K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 595 | $4.3M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN - AFLAC | 583 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 776 | — |
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.