| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 600 LONGWATER DR NORWELL, MA 02066 | STANDARD LIFE INSURANCE COMPANY | $12K | $4K | $15K | 7.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 299 BALLARDVALE ST WILMINGTON, MA 01887 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 4.06% |
| HEALTH INSURANCE SERVICES3 | 5640 W. MAPLE ST. SUITE 304 WEST BLOOMFIELD, MI 48322 | EXPRESS SCRIPTS, INC. | $7K | — | $7K | 4.70% |
| HEALTH INSURANCE SERVICES3 | 5640 W MAPLE ROAD SUITE 304 WEST BLOOMFIELD, MI 48322 | UNITED AMERICAN INSURANCE COMPANY | $11K | — | $11K | 12.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 96 SHAKER ROAD EAST LONGMEADOW, MA 01028 | EYEMED VISION CARE | $2K | — | $2K | 10.61% |
| ENROLLEASE3 Filed as: ONE DIGITAL - ALTANTA GA | 200 GALLERIA PARKWAY, STE 1950 ATLANTA, GA 30339 | EYEMED VISION CARE | $1K | — | $1K | 4.68% |
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 | 332 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED AMERICAN INSURANCE COMPANY | 44 | $92K |
| Dental | AETNA LIFE INSURANCE COMPANY | 519 | $211K |
| Vision | EYEMED VISION CARE | 319 | $22K |
| Life insurance | STANDARD LIFE INSURANCE COMPANY | 318 | $216K |
| Short-term disability | STANDARD LIFE INSURANCE COMPANY | 318 | $216K |
| Long-term disability | STANDARD LIFE INSURANCE COMPANY | 318 | $216K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 44 | $147K |
| Other | STANDARD LIFE INSURANCE COMPANY | 318 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.