| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS INC. /BALTIMORE, MD | 36 SOUTH CHARLES STREET, SUITE 1000 BALTIMORE, MD 21201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $17K | $17K | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 36 S. CHARLES STREET, SUITE 1000 BALTIMORE, MD 21201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $71K | $71K | 2.02% |
| STRATOVIZE LLC3 Filed as: STRATOVIZE | 36 S. CHARLES STREET, SUIT 1000 BALTIMORE, MD 21201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $57K | $57K | 1.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 36 S. CHARLES STREET, SUITE 1000 BALTIMORE, MD 21201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $115 | $115 | 0.00% |
| STRATOVIZE LLC3 | 36 SOUTH CHARLES STREET, SUITE 1000 BALTIMORE, MD 21201 | TRANSAMERICA LIFE INSURANCE COMPANY | $51K | — | $51K | 17.04% |
| STRATOVIZE LLC3 Filed as: STRATOVIZE, LLC | 36 SOUTH CHARLES STREET, SUIT 1000 BALTIMORE, MD 21201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 15.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $55K |
| CIGNA EIN 59-1031071 ADMINISTRATOR | Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Other services; Float revenue; Claims processing; Non-monetary compensation Service code 12 | — | $23K |
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 | 2,295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,331 | 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 | 3,598 | $26.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,432 | $3.5M |
| Vision | EYEMED | 3,463 | $187K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,432 | $3.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,432 | $3.5M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,432 | $3.5M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,598 | $24.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,432 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,432 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.