| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | UNKNOWN ANDOVER, MA 01810 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $64K | $8K | $73K | 3.39% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS. AGNCY INC | UNKNOWN ANDOVER, MA 01810 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $67K | $0 | $67K | 3.13% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS. AGNCY INC | ONE GRIFFIN BROOK DRIVE METHUEN, MA 01844 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 10.07% |
| INDIGO INSURANCE SERVICES3 Filed as: INDIGO INSURANCE SERVICES LLC | 100 FRONT STREET, 20TH FLOOR WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | HARTFORD LIFE AND ACCIDENT | $208 | $0 | $208 | 0.20% |
| ASSUREDPARTNERS3 Filed as: JENNIFER A. BORISLOW INS. AGNCY INC | ONE GRIFFIN BROOK DRIVE SUITE 700 METHUEN, MA 01844 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $225 | $2K | 11.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $59 | $59 | 0.32% |
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 | 242 | 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) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 293 | $2.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 293 | $2.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $18K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 243 | $107K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 243 | $107K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 243 | $107K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 293 | $2.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 243 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
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.