| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $8K | $29K | 17.00% |
| BRANDON R ROYCE3 | 2000 COMMONWEALTH AVENUE SUITE 110 AUBERNDALE, MA 02466 | AFLAC | $21K | $944 | $22K | 14.15% |
| STEVEN R KARAS3 | 2000 COMMONWEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $6K | $189 | $7K | 4.22% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $3K | $167 | $3K | 1.95% |
| MJ INSURANCE3 Filed as: DANIEL P CLARK AND VARIOUS AGENTS | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $2K | $0 | $2K | 0.97% |
| CLAYTON H BENNETT3 | 2950 ASCOT LANE ROSWELL, GA 30076 | AFLAC | $735 | $0 | $735 | 0.47% |
| KURT SHIMADA3 | 119 NEW HAVEN STREET WEST ROXBURY, MA 02132 | AFLAC | $639 | $0 | $639 | 0.41% |
| KAREN TUCCI3 | 73 STETSON DRIVE MARLBOROUGH, MA 01752 | AFLAC | $340 | $0 | $340 | 0.22% |
| BRANDON R ROYCE3 | 29 CRAFTS, SUITE 5500 NEWTON, MA 02458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 15.33% |
| STEVEN R KARAS3 | 222 WARD STREET NEWTON CENTRE, MA 02459 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.66% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 1.94% |
| WEX INC3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | $0 | $338 | 0.36% |
| DANIEL P CLARK3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $160 | $0 | $160 | 0.17% |
| MJ INSURANCE3 Filed as: MAUREEN E SNOW AND VARIOUS AGENTS | 68 WINGATE ROAD HOLLISTON, MA 01746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $52 | $0 | $52 | 0.05% |
| DANIEL P CLARK3 Filed as: DANIEL L CLARK | 33 LANDAU ROAD PLAINVILLE, MA 02762 | CONTINENTAL AMERICAN INSURANCE COMPANY | $19 | $0 | $19 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $17K | 20.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 1667 ELM STREET, SUITE 3 MANCHESTER, NH 03101 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $14K | $0 | $14K | 18.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | PO BOX 709 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $10K | $39K | 65.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 144 TURNPIKE ROAD, SUITE 110 SOUTHBOROUGH, MA 01772 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $6K | $6K | 9.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $455 | $5K | 21.23% |
| BRANDON R ROYCE3 | 2000 COMMONWEALTH AVENUE SUITE 110 AUBERNDALE, MA 02466 | AFLAC | $718 | $97 | $815 | 14.70% |
| STEVEN R KARAS3 | 2000 COMMONWEALTH AVENUE SUITE 110 AUBURNDALE, MA 02466 | AFLAC | $225 | $19 | $244 | 4.40% |
| DAVID S HALLETT3 | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $101 | $19 | $120 | 2.16% |
| MJ INSURANCE3 Filed as: DANIEL P CLARK AND VARIOUS AGENTS | 33 LANDAU ROAD PLAINVILLE, MA 02762 | AFLAC | $23 | $0 | $23 | 0.41% |
| ARI JOSEPH WEXLER3 | 11 STOCKDALE ROAD NEEDHAM, MA 02492 | AFLAC | $21 | $0 | $21 | 0.38% |
| TIMOTHY HENDERSON3 | 13 WILD LAUREL LANE HILTON HEAD, SC 29926 | AFLAC | $12 | $0 | $12 | 0.22% |
| RICHARD J. MAGUIRE3 Filed as: RICHARD J MAGUIRE | 81 DORCHESTER ROAD ROCHESTER, NY 14610 | AFLAC | $11 | $0 | $11 | 0.20% |
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 | 908 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 944 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 874 | $75K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 908 | $169K |
| Short-term disability(5 contracts, 3 carriers) | AFLAC | 728 | $362K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 908 | $229K |
| Other(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 908 | $448K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 908 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.