| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $134K | $5K | $139K | 22.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | DELTA DENTAL OF VIRGINIA | $10K | — | $10K | 2.99% |
| 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 | $8K | $2K | $10K | 3.46% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J ZUCCARI INC. T/A HAMILTON IN | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $3K | — | $3K | 1.17% |
| 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 | $3K | — | $3K | 2.03% |
| 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 | $20K | — | $20K | 15.48% |
| 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 | $12K | — | $12K | 16.09% |
| 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 | $10K | — | $10K | 16.09% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE | — | HM LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | HEALTHIEST YOU | $2K | — | $2K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - MID-ATLANTIC | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 20850 | HEALTHIEST YOU | $2K | — | $2K | 7.50% |
| 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 | $1K | — | $1K | 15.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STAFF BENEFITS MANAGEMENT, INC. EIN 81-1242192 TPA | Plan Administrator Service code 14 | — | $0 |
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 | 2,154 | 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) | 2,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 88 | $442K |
| Dental | DELTA DENTAL OF VIRGINIA | 650 | $333K |
| Vision | HM LIFE INSURANCE COMPANY | 587 | $54K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 363 | $126K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 363 | $76K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 363 | $65K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $612K |
| Other(2 contracts, 2 carriers) | HEALTHIEST YOU | 363 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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.