| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC | 1445 RESEARCH BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | $740 | $82K | $83K | 4.88% |
| MATHER & STROHL ADMINISTRATIVE SVCS3 | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $14K | $14K | 0.85% |
| MATHER BENEFIT ADMINISTRATORS, LLC5 | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $9K | 8.97% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES, INC. | 1445 RESEARCH BOULEVARD, SUITE 340 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $992 | $992 | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BOULEVARD, SUITE 340 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $411 | $411 | 0.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 3290 NORTH RIDGE ROAD, SUITE 300 ELLICOTT CITY, MD 21043 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $59 | $59 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BOULEVARD, SUITE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BOULEVARD, SUITE 240 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.78% |
| BENEFITMALL5 Filed as: BENEFITMALL, INC. | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.51% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 225 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 29 | $100K |
| Vision | CAREFIRST BLUECHOICE, INC. | 225 | $1.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $48K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 225 | $1.7M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $48K |
| 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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.