| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | 600 LONGWATER DR NORWELL, MA 02140 | BLUE CROSS BLUE SHIELD OF MASSACHUSETS, INC. | $38K | — | $38K | 2.27% |
| HP PLANNING LLC3 Filed as: HP PLANNING, LLC | 84 STATE STREET BOSTON, MA 02109 | BLUE CROSS BLUE SHIELD OF MASSACHUSETS, INC. | $7K | $8K | $15K | 0.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $31K | — | $31K | 3.11% |
| CENTENNIAL GROUP BENEFITS INSURANCE3 Filed as: CENTENNIAL GROUP BENEFITS AND INS | PO BOX 26457 SANTA ANA, CA 92660 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $7K | — | $7K | 0.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | 600 LONGWATER DR NORWELL, MA 02066 | DELTA DENTAL OF WASHINGTON | $5K | — | $5K | 5.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | 600 LONGWATER DR NORWELL, MA 02066 | STANDARD INSURANCE COMPANY | $2K | $876 | $3K | 3.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | AMERICAN UNITED LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.04% |
| CENTENNIAL GROUP BENEFITS3 | — | AMERICAN UNITED LIFE INSURANCE COMPANY | $850 | — | $850 | 1.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | 600 LONGWATER DR NORWELL, MA 02066 | STANDARD INSURANCE COMPANY | $3K | $756 | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | 600 LONGWATER DR NORWELL, MA 02066 | STANDARD INSURANCE COMPANY | $2K | $724 | $3K | 7.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | 600 LONGWATER DR NORWELL, MA 02066 | STANDARD INSURANCE COMPANY | $2K | $622 | $3K | 7.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | 600 LONGWATER DR NORWELL, MA 02066 | STANDARD INSURANCE COMPANY | $178 | $267 | $445 | 3.40% |
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 | 486 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETS, INC. | 174 | $2.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 185 | $174K |
| Vision | STANDARD INSURANCE COMPANY | 161 | $13K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 232 | $80K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 232 | $85K |
| Long-term disability | STANDARD INSURANCE COMPANY | 210 | $42K |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 232 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.