| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK INC | $147K | $0 | $147K | 3.48% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUE CHOICE, INC. | $0 | $6K | $6K | 0.96% |
| EMPLOYEE BENEFIT SVCS OF MARYLAND3 Filed as: EMPLOYEE BENEFIT SVCS. OF MARYLAND | 575 SOUTH CHARLES STREET, SUITE 300 BALTIMORE, MD 21201 | CAREFIRST BLUE CHOICE, INC. | $2K | $4K | $5K | 0.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPAUGE, NY 11788 | CAREFIRST OF MARYLAND, INC. | $14K | $1K | $15K | 3.54% |
| GROUP BENEFIT SERVICES INC5 Filed as: GROUP BENEFIT SERVICES INC. | 6 NORTH PARK DRIVE, SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST OF MARYLAND, INC. | $0 | $7K | $7K | 1.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $22K | $22K | $45K | 12.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $8K | $126 | $8K | 3.87% |
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 | 480 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HIGHMARK INC | 586 | $5.3M |
| Dental(3 contracts, 3 carriers) | CAREFIRST BLUE CHOICE, INC. | 736 | $1.3M |
| Vision(3 contracts, 3 carriers) | HIGHMARK INC | 586 | $5.3M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 491 | $371K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 491 | $371K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 491 | $371K |
| Prescription drug(3 contracts, 3 carriers) | HIGHMARK INC | 586 | $5.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 491 | $371K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 736 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.