| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | — | $64K | 9.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | PO BOX 709 96 SHAKER ROAD E LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $636 | $7K | 10.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 229 BALLARDVALE ST WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $221 | $221 | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | PO BOX 709 96 SHAKER ROAD E LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $553 | $9K | 15.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 229 BALLARDVALE ST WILMINGTON, MA 01887 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $176 | $176 | 0.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | PO BOX 709 96 SHAKER ROAD E. LONGMEADOW, MA 01028 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 229 BALLARDVALE ST WILMINGTON, MA 01887 | RED TREE INSURANCE COMPANY, INC. | $2K | $0 | $2K | 8.30% |
| NORTON FINANCIAL SERVICES3 | 275 US ROUTE ONE CUMBERLAND FORESIDE, ME 04110 | RED TREE INSURANCE COMPANY, INC. | $314 | $0 | $314 | 1.73% |
| COMBINED SERVICES LLC3 Filed as: COMBINED SERVICES, LLC | PO BOX 1320 CONCORD, NH 033021320 | RED TREE INSURANCE COMPANY, INC. | $273 | $0 | $273 | 1.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ADMIN PROIVDER STD | Contract Administrator Service code 13 | — | $10K |
| CIGNA HEALTH & LIFE INS COMPANY EIN 59-1031071 CLAIM ADMINISTRATOR | Participant communication; Float revenue; Claims processing; Other services; Direct payment from the plan; Contract Administrator; Non-monetary compensation Service code 12 | — | $10K |
| CIGNA | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing; Non-monetary compensation; Float revenue Service code 12 | — | $2K |
| HUB INTERNATIONAL NEW ENGLAND, LLC | Insurance agents and brokers Service code 22 | — | $407 |
| HUB INTERNATIONAL NEW ENGLAND EIN 04-2623673 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 528 | $649K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 528 | $649K |
| Vision | RED TREE INSURANCE COMPANY, INC. | 467 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 314 | $69K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 314 | $69K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 528 | $649K |
| Other(4 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 528 | $808K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 528 | — |
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.