| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATION MID ATLANTIC INC | 3290 NORTH RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | CAREFIRST BLUECHOICE, INC. | $2K | $28K | $29K | 5.46% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC | 6 NORTH PARK DRIVE SUITE 310 HUNT VALLEY, MD 21030 | CAREFIRST BLUECHOICE, INC. | — | $15K | $15K | 2.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 170 JENNIFER ROAD ANNAPOLIS, MD 21401 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | — | $13K | 9.31% |
| JEANENE MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $849 | $9K | 6.49% |
| JEFFREY MOTSCO3 | 15612 LINDEN GROVE LANE WOODBINE, MD 21797 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $101 | $6K | 3.87% |
| AMY LOUISE MYERS3 | 18211 MISTY ACRES DRIVE HAGERSTOWN, MD 21740 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $52 | $2K | 1.58% |
| ELENA BOTELLO COLEMAN3 | 7312 YATES COURT MCLEAN, VA 22101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $397 | $2K | 1.48% |
| ELAINE COX3 Filed as: ELAINE MCCLELLAND | 4312 GRANDADA STREET ALEXANDRIA, VA 22309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $46 | $2K | 1.34% |
| ANN MARIE BENT3 | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.95% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $261 | $59 | $320 | 0.22% |
| MINDY JILL GUISEWITE3 | 11204 CHASE STREET UNIT 2 FULTON, MD 20759 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 0.11% |
| COLLEN R LIND3 | 8 HARPOON ROAD OCEAN PINES, MD 21811 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.07% |
| ASSUREDPARTNERS3 Filed as: JENNIFER STEVENS | 2623 FALLSTON ROAD FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | — | $33 | 0.02% |
| TRACEY MATZ3 | 236 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $2K | $7K | 19.00% |
| FIRST NATIONAL INSURANCE AGENCY3 | 2400 BROAD STREET TIMONIUM, MD 21093 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $744 | $446 | $1K | 15.99% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 92 | $540K |
| Dental | CAREFIRST BLUECHOICE, INC. | 92 | $540K |
| Vision | CAREFIRST BLUECHOICE, INC. | 92 | $540K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 302 | $45K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 146 | $143K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 92 | $540K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 302 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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.