| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | FALLON HEALTH | $2K | $0 | $2K | 2.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | UNKNOWN WILMINGTON, MA 01887 | MONY LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 10.66% |
| INDIGO INSURANCE SERVICES3 | UNKNOWN WORCESTER, MA 01608 | MONY LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 6.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $341 | $3K | 8.48% |
| ENROLLMENT SOLUTIONS LTD3 Filed as: ENROLLMENT SOLUTIONS, LTD | 65 BURBANK ROAD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $823 | $542 | $1K | 3.71% |
| KATHERINE E GREENE3 | 22 OAKLAWN AVENUE, APARTMENT 112 CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $963 | $26 | $989 | 2.69% |
| ANDREA R. HENCHEY3 Filed as: ANDREA R HENCHEY | 5 EDGEMERE BOULEVARD SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $207 | $646 | 1.76% |
| MJ INSURANCE3 Filed as: DAVID L FLEURY AND VARIOUS AGENTS | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $533 | $17 | $550 | 1.49% |
| BRIAN S DEMPSEY3 | 60 BAILEY BOULEVARD HAVERHILL, MA 01830 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $36 | $451 | 1.23% |
| KARIN ANGELIS3 | 17 METCALF STREET WORCESTER, MA 01609 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $268 | $99 | $367 | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 600 LONGWATER DRIVE NORWELL, MA 02061 | EYEMED VISION CARE | $665 | $0 | $665 | 9.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | ALTUS DENTAL INSURANCE COMPANY, INC. | $5K | $0 | $5K | — |
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 | 270 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FALLON HEALTH | 17 | $93K |
| Dental | ALTUS DENTAL INSURANCE COMPANY, INC. | 213 | $0 |
| Vision | EYEMED VISION CARE | 103 | $7K |
| Life insurance(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 281 | $84K |
| Short-term disability(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 281 | $84K |
| Prescription drug | FALLON HEALTH | 17 | $93K |
| Other(2 contracts, 2 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 281 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.