| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENECURV3 | 7101 WISCONSIN AVENUE, SUITE 1200 BETHEDSA, MD 20814 | HARVARD PILGRIM HEALTH CARE | $26K | $0 | $26K | 3.15% |
| BENECURV3 | 7101 WISCONSIN AVENUE, SUITE 1200 BETHEDSA, MD 20814 | HPHC INSURANCE COMPANY | $15K | $0 | $15K | 2.90% |
| FINANCIAL BENEFITS CONSULTING, LLC3 | 7101 WISCONSIN AVENUE, SUITE 1200 BETHEDSA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.12% |
| FINANCIAL BENEFITS CONSULTING, LLC3 | 7101 WISCONSIN AVENUE, SUITE 1200 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $424 | $0 | $424 | 0.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $159 | $0 | $159 | 0.22% |
| ACCESS ENROLL3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125 | $5 | $130 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $7 | $7 | 0.01% |
| FINANCIAL BENEFITS CONSULTING, LLC3 | 11350 MCCORMICK ROAD, SUITE 202 HUNT VALLEY, MD 21031 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 3.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 7.99% |
| ACCESS ENROLL3 | 33 LANDAU ROAD PLAINVILLE, MA 02762 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $272 | $0 | $272 | 1.13% |
| FINANCIAL BENEFITS CONSULTING, LLC3 | 7101 WISCONSIN AVENUE, SUITE 1200 BETHESDA, MD 20814 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | $0 | $29 | 0.12% |
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 | 403 | 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) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 113 | $1.3M |
| Dental | STANDARD INSURANCE COMPANY | 138 | $51K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $96K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 76 | $24K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE | 113 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 403 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
No prospect flags tripped on this filing.