| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | TUFTS INSURANCE COMPANY | $45K | $17K | $62K | 1.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND, LLC | 299 BALLARDVALE STREET WILMINGTON, MA 01887 | TUFTS ASSOCIATED HEALTH MAINTENANCE ORG., INC. | $9K | $6K | $15K | 1.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | UNKNOWN BURLINGTON, MA 01803 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $15K | $0 | $15K | 3.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.91% |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 483 | $4.5M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 719 | $413K |
| Vision | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 719 | $413K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 382 | $63K |
| Prescription drug(2 contracts, 2 carriers) | TUFTS INSURANCE COMPANY | 483 | $4.5M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 382 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 719 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.