| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECURV3 | UNKNOWN CAMDEN, ME 04843 | HARVARD PILGRIM HEALTH CARE | $16K | $0 | $16K | 2.16% |
| BENECURV3 | UNKNOWN CAMDEN, ME 04843 | HPHC INSURANCE COMPANY | $11K | $0 | $11K | 2.18% |
| FINANCIAL BENEFITS CONSULTING, LLC3 | 11350 MCCORMICK ROAD EXECUTIVE PLAZA III, SUITE 120 HUNT VALLEY, MD 21031 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 8.17% |
| ACCESS ENROLL3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $492 | $0 | $492 | 1.21% |
| FINANCIAL BENEFITS CONSULTING, LLC3 | 7101 WISCONSIN AVENUE, SUITE 1200 BETHESDA, MD 20814 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7 | $0 | $7 | 0.02% |
| FINANCIAL BENEFITS CONSULTING, LLC3 | 7101 WISCONSIN AVENUE, SUITE 1200 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 12.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $388 | $0 | $388 | 1.08% |
| ACCESS ENROLL3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $355 | $8 | $363 | 1.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $11 | $11 | 0.03% |
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 | 302 | 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) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 113 | $1.2M |
| Dental | STANDARD INSURANCE COMPANY | 138 | $51K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 302 | $77K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 101 | $41K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 113 | $1.2M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.