| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MA 20850 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 2.00% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | DELTA DENTAL OF VIRGINIA | $2K | — | $2K | 0.88% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE, INC. | 9713 KEY WEST AVE ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 2.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN INC | $198 | — | $198 | 0.11% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE, INC. | 9713 KEY WEST AVE. SUITE 401 ROCKVILLE, MD 20850 | PAN-AMERICAN LIFE INSURANCE COMPANY | $19K | — | $19K | 11.41% |
| ALAN J ZUCCARI INC3 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $7K | $6 | $7K | 4.49% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $686 | $4K | $5K | 3.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 3290 NORTH RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | — | $2K | 1.22% |
| PAN-AMERICAN LIFE3 | 601 POYDRAS STREET NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $31K | $31K | 48.70% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE, INC. | 9713 KEY WEST AVE. SUITE 401 ROCKVILLE, MD 20850 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $12K | $12K | 19.29% |
| PAN-AMERICAN BENEFIT SOLUTIONS3 | 1778 NORTH PLANO ROAD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $12K | $12K | 19.10% |
| RXEDO3 | PO BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $204 | $204 | 0.32% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE | — | HM LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATL | 3290 NORTH RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATL | 3290 NORTH RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATL | 3290 NORTH RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE | 9713 KEY WEST AVE SUITE 401 ROCKVILLE, MD 20850 | HEALTHIEST YOU | $1K | — | $1K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATL | 3290 NORTH RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $407 | — | $407 | 15.00% |
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 | 710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 119 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 832 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 215 | $1.7M |
| Dental | DELTA DENTAL OF VIRGINIA | 587 | $203K |
| Vision | HM LIFE INSURANCE COMPANY | 351 | $37K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 194 | $30K |
| Stop-loss / reinsurancereinsurance(2 contracts) | PAN-AMERICAN LIFE INSURANCE COMPANY | 212 | $228K |
| Other(2 contracts, 2 carriers) | HEALTHIEST YOU | 194 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.
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.