| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | UNKNOWN ANDOVER, MA 01810 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $144K | $36K | $180K | 3.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1667 ELM STREET MANCHESTER, NH 03101 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.67% |
| BRANDON R ROYCE3 Filed as: BRANDON ROYCE | 2000 COMMONWEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $27K | $1K | $29K | 14.81% |
| STEVEN KARAS3 | 2000 COMMONWEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $8K | $259 | $8K | 4.31% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $3K | $151 | $3K | 1.45% |
| MJ INSURANCE3 Filed as: RENEE CORSO AND VARIOUS AGENTS | 5805 SEPULVEDA BOULEVARD SUITE 740 SHERMAN OAKS, CA 91411 | AFLAC | $2K | $0 | $2K | 1.25% |
| CLAYTON H BENNETT3 Filed as: CLAYTON BENNETT | 2950 ASCOT LANE ROSWELL, GA 30076 | AFLAC | $1K | $0 | $1K | 0.56% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARLBOROUGH, MA 01752 | AFLAC | $604 | $0 | $604 | 0.31% |
| DANIEL P CLARK3 Filed as: DANIEL CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $333 | $0 | $333 | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1167 ELM STREET MANCHESTER, NH 03101 | LIBERTY MUTAL ASSURANCE COMPANY OF BOSTON | $6K | $0 | $6K | 4.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1667 ELM STREET MANCHESTER, NH 03101 | LIBERTY MUTAL ASSURANCE COMPANY OF BOSTON | $6K | $0 | $6K | 4.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 600 LONGWATER DRIVE NORWELL, MA 02061 | LIBERTY MUTAL ASSURANCE COMPANY OF BOSTON | $0 | $3K | $3K | 2.26% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1120 SANCTUARY PARKWAY, SUITE 375 ALPHARETTA, GA 30009 | LIBERTY MUTAL ASSURANCE COMPANY OF BOSTON | $0 | $143 | $143 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1667 ELM STREET MANCHESTER, NH 03101 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $13K | $0 | $13K | 10.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 600 LONGWATER DRIVE NORWELL, MA 02061 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $0 | $2K | $2K | 1.72% |
| BRANDON R ROYCE3 Filed as: BRANDON R. ROYCE | 29 CRAFTS, SUITE 550 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | $0 | $16K | 14.92% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 2000 COMMONWEALTH AVENUE SUITE 110 NEWTON, MA 02466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 5.75% |
| DAVID S HALLETT3 Filed as: DAVID S. HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 1.66% |
| WEX INC3 Filed as: WEX INC. | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $623 | $0 | $623 | 0.59% |
| DANIELL P. CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | $0 | $278 | 0.26% |
| MJ INSURANCE3 Filed as: LYNN WARDLAW AND VARIOUS AGENTS | 187 SOUTH CULVER STREET LAWRENCEVILLE, GA 30046 | CONTINENTAL AMERICAN INSURANCE COMPANY | $84 | $0 | $84 | 0.08% |
| DANIEL P CLARK3 Filed as: DANIEL L. CLARK | 33 LANDAU ROAD PLAINVILLE, MD 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1667 ELM STREET MANCHESTER, NH 03101 | EYEMED | $3K | $0 | $3K | 7.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1167 ELM STREET, SUITE 3 MANCHESTER, NH 03101 | EYEMED | $2K | $0 | $2K | 4.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1667 ELM STREET MANCHESTER, NH 03101 | EYEMED | $1K | $0 | $1K | 4.31% |
| GENERAL AGENT CENTER INC3 Filed as: GENERAL AGENT CENTER INC. | 3 EARLES WAY SCARBOROUGH, ME 04074 | STANDARD INSURANCE COMPANY | $536 | $0 | $536 | 13.88% |
| DAVID R. LARRIVEE3 | 1663 ELM STREET, SUITE 3 MANCHESTER, NH 03110 | STANDARD INSURANCE COMPANY | $285 | $0 | $285 | 7.38% |
| BRANDON R ROYCE3 Filed as: BRANDON R. ROYCE | 2000 COMMONWEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $424 | $0 | $424 | 12.14% |
| STEVEN R KARAS3 Filed as: STEVEN R. KARAS | 2000 COMMONWEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $113 | $0 | $113 | 3.23% |
| MJ INSURANCE3 Filed as: DEBRA M. PARKER AND VARIOUS AGENTS | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $59 | $0 | $59 | 1.69% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $43 | $0 | $43 | 1.23% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LANE HILTON HEAD, SC 29926 | AFLAC | $28 | $0 | $28 | 0.80% |
| RICHARD J. MAGUIRE3 | 81 DORCHESTER ROAD ROCHESTER, NY 14610 | AFLAC | $20 | $0 | $20 | 0.57% |
| ARI JOSEPH WEXLER3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $19 | $0 | $19 | 0.54% |
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 | 831 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 646 | $4.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 806 | $306K |
| Vision(2 contracts) | EYEMED | 570 | $73K |
| Life insurance(2 contracts, 2 carriers) | LIBERTY MUTAL ASSURANCE COMPANY OF BOSTON | 784 | $240K |
| Short-term disability(3 contracts, 2 carriers) | AFLAC | 697 | $303K |
| Long-term disability(3 contracts, 3 carriers) | LIBERTY MUTAL ASSURANCE COMPANY OF BOSTON | 784 | $244K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 646 | $4.8M |
| Other(5 contracts, 4 carriers) | AFLAC | 784 | $543K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 806 | — |
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.