| 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, MD 208504082 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $32K | $34K | 5.82% |
| MULLANEY ENTERPRISES LLC3 | 5501 TWIN KNOLLS COLUMBIA, MD 21045 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 12.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVENUE ROCKVILLE, MD 20850 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $206 | $4K | 11.00% |
| PAMELA GREGG3 | 15001 SAINT THOMAS CHURCH ROAD UPPER MARLBORO, MD 20772 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $900 | $37 | $937 | 2.38% |
| COLLEEN A VOGAN3 | 5018 COBBLESTONE COURT ELLICOTT CITY, MD 21043 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $824 | $98 | $922 | 2.35% |
| JEANENE MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $383 | $1 | $384 | 0.98% |
| ZACHARY A FOWL3 | 10 BRENDA STREET PORT DEPOSIT, MD 21904 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $377 | $7 | $384 | 0.98% |
| JEFFREY MOTSCO3 | 5965 SANDY RIDGE ELKRIDGE, MD 21075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $159 | $1 | $160 | 0.41% |
| ROBERT DOOLEY3 | 219 SALTGRASS DRIVE GLEN BURNIE, MD 21060 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $138 | — | $138 | 0.35% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $132 | — | $132 | 0.34% |
| EMILY MARSTELLA IV3 | 412 SUGARLAND MEADOW DRIVE HERNDON, VA 20170 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $59 | $6 | $65 | 0.17% |
| DOUGLAS A D'ASCOLI3 | 35710 CLAMSHELL CIRCLE SELBYVILLE, DE 19975 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.16% |
| JEFFREY LEE LASKO3 | 218 POLARIS DRIVE WALKERSVILLE, MD 21793 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.15% |
| GUSTAVO TODE3 | 20607 DUCK POND PLACE GERMANTOWN, MD 20874 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $2 | $44 | 0.11% |
| GREG W WOOLLEY3 Filed as: GREG WOOLLEY | 15492 CLIFFVIEW DRIVE MONTCLAIR, VA 22026 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.04% |
| ERNESTO MCKENZIE JR3 | 8923 WB AND A ROAD SEVERN, MD 21144 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVENUE SUITE 401 ROCKVILLE, MD 208504082 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N LA SALLE DRIVE FLOOR 17 CHICAGO, IL 606543406 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.69% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 225 | $589K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 169 | $22K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 169 | $22K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 169 | $22K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 30 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.