| 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 | HARTFORD LIFE & ACCIDENT | $144K | — | $144K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE & ACCIDENT | — | $111K | $111K | 1.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE STREET WILMINGTON, ME 01887 | HARTFORD LIFE & ACCIDENT | $46K | — | $46K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 E JACKSON STE 14B CHICAGO, ID 60604 | HARTFORD LIFE & ACCIDENT | — | $46K | $46K | 1.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1667 ELM STREET MANCHESTER, NH 03101 | HARTFORD LIFE & ACCIDENT | — | $398 | $398 | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON SUITE 14B CHICAGO, ID 60604 | HARTFORD LIFE & ACCIDENT | $0 | $710 | $710 | 3.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 275 ROUTE ONE CUMBERLAND FORESIDE, MA 04110 | HARTFORD LIFE & ACCIDENT | $364 | — | $364 | 2.00% |
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 | 8,600 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 196 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,796 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | HARTFORD LIFE & ACCIDENT | 9,242 | $7.2M |
| Long-term disability(3 contracts) | HARTFORD LIFE & ACCIDENT | 9,242 | $9.5M |
| Other(3 contracts) | HARTFORD LIFE & ACCIDENT | 9,242 | $7.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,242 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.