| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATOVIZE LLC3 Filed as: STRATOVIZE | 36 S. CHARLES STREET, SUIT 1000 BALTIMORE, MD 21201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 0.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 36 S. CHARLES STREET, SUITE 1000 BALTIMORE, MD 21201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 0.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 36 S. CHARLES STREET, SUITE 1000 BALTIMORE, MD 21201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | 0.00% |
| STRATOVIZE LLC3 | 36 SOUTH CHARLES STREET, SUITE 1000 BALTIMORE, MD 21201 | TRANSAMERICA LIFE INSURANCE COMPANY | $220K | — | $220K | 71.32% |
| STRATOVIZE LLC3 Filed as: STRATOVIZE, LLC | 36 SOUTH CHARLES STREET, SUIT 1000 BALTIMORE, MD 21201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $51K | — | $51K | 39.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Participant communication; Other services; Contract Administrator; Non-monetary compensation; Named fiduciary; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $20K |
| CIGNA | Participant communication; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan; Named fiduciary; Non-monetary compensation Service code 12 | — | $0 |
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 | 2,240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,794 | $25.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,794 | $23.2M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 3,370 | $202K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,776 | $2.1M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,776 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 3,776 | $1.8M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,794 | $23.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,776 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,794 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.