| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $131K | $8K | $139K | 2.18% |
| RISK STRATEGIES COMPANY3 Filed as: R S C INS BKGE DBA RISK STRATEGIES | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $125K | $0 | $125K | 1.94% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC. | 1787 SENTRY PKWY W SUITE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $2K | $26K | 5.48% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 751 CORPORATE CENTER DR SUITE 120 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $45 | $2K | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $16K | $0 | $16K | 10.21% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.79% |
| EMERSON REID LLC3 | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.20% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.80% |
| EMERSON REID LLC3 | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.88% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 12110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $1 | $7K | 10.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.36% |
| RSC INSURANCE BROKERAGE INC3 | PO BOX 970069 BOSTON, MA 02297 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CENTER DR. SUITE 120 RALEIGH, NC 27607 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $1K | $356 | $2K | 6.92% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 4.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $0 | $45 | $45 | 0.21% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 967 | $6.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 836 | $471K |
| Vision | VISION SERVICE PLAN | 303 | $59K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 316 | $195K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 317 | $155K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 316 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.