| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | UNKNOWN BOSTON, MA 02135 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $139K | $41K | $180K | 2.48% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $17K | $17K | 7.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 4.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 2.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | PO BOX 696 WILMINGTON, MA 01887 | HARTFORD LIFE AND ACCIDENT | $454 | $0 | $454 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $272 | $0 | $272 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 24.06% |
| EPSIX, INC.3 Filed as: EPSIX, INC | 3300 NORTH SCOTTSDALE ROAD APT 4020 SCOTTSDALE, AZ 85251 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 14.59% |
| LYNN FEAZEL3 Filed as: LYNN SEPPA FEAZEL | 33 CONANT STREET DANVERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 11.03% |
| CHRISTOPHER C FEAZEL3 Filed as: CHRISTOPHER C. FEAZEL | 33 CONANT STREET DANVERS, MA 01923 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.58% |
| WILLIAM MUMPER3 Filed as: WILLIAM MUMPER AND OTHER AGENTS | 225 VILLAGE CIRCLE WAY, APT 18 MANCHESTER, NH 03102 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.46% |
| RYAN JAMES CLEPPER3 Filed as: RYAN J. CLEPPER | 124 EDGELL STREET GARDNER, MA 01440 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.76% |
| ANDREW G BLUNDON3 Filed as: ANDREW G. BLUNDON | 24 MAINE STREET, APT 5 ALLENSTOWN, NH 03275 | CONTINENTAL AMERICAN INSURANCE COMPANY | $593 | $0 | $593 | 1.04% |
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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 966 | $7.3M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 966 | $7.3M |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 966 | $7.3M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 521 | $225K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 521 | $225K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 521 | $225K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 966 | $7.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 521 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 966 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.