| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | $2K | $30K | $32K | 5.45% |
| ALAN J ZUCCARI INC5 Filed as: ALAN J. ZUCCARI INC | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | CAREFIRST BLUECHOICE, INC. | $0 | $12K | $12K | 1.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $16K | 16.77% |
| MARY THERESA FISHER4 | 29C OWENS LANDING COURT PERRYVILLE, MD 21903 | LEGALSHIELD | $184 | $0 | $184 | 11.77% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | LEGALSHIELD | $81 | $0 | $81 | 5.18% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 104 | $585K |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 125 | $681K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $96K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $96K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $96K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $96K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 104 | $585K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.