| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 229 BALLARDVALE STREET WILMINGTON, MA 01877 | DELTA DENTAL OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | $5K | $1K | $7K | 5.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 229 BALLARDVALE STREET WILMINGTON, MA 01877 | HARVARD PILGRIM HEALTHCARE | $2K | $0 | $2K | 3.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | UNKNOWN WILMINGTON, MA 01887 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 12.11% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN BOSTON, MA 02199 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 6.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 9.94% |
| ANDREA R. HENCHEY3 Filed as: ANDREA R HENCHEY | 5 EDGEMERE BOULEVARD SHERWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $879 | $545 | $1K | 3.99% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS LIMITED | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $578 | $373 | $951 | 2.66% |
| PIO ANDRES ORTIZ3 | 5 BROOK ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $638 | $226 | $864 | 2.42% |
| MICHAEL R ACKERMAN3 | 435 DEVON PARK DRIVE, SUITE 410 WAYNE, PA 19087 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $682 | $145 | $827 | 2.32% |
| INSPIRED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $598 | $166 | $764 | 2.14% |
| ASHLEY FOLLIS3 | 2 GRIFFITHS DRIVE DURHAM, NH 03824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $539 | $208 | $747 | 2.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | PO BOX 696 WILMINGTON, MA 01887 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $856 | $0 | $856 | 7.01% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HARVARD PILGRIM HEALTHCARE | 1 | $68K |
| Dental | DELTA DENTAL OF MASSACHUSETTS, INC. D/B/A DELTA DENTAL | 257 | $122K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 136 | $12K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 141 | $78K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 47 | $36K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 141 | $42K |
| Prescription drug | HARVARD PILGRIM HEALTHCARE | 1 | $68K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 141 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.