| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 36 S. CHARLES STREET, SUITE 1000 BALTIMORE, MD 21201 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $150K | $150K | 3.69% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S. GARLAND AVENUE SUITE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.14% |
| STRATOVIZE LLC3 | 1 W PENNSYLVANIA AVENUE STE 600 TOWSON, MD 21204 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 9.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 36 SOUTH CHARLES STREET, SUIT 1000 BALTIMORE, MD 21201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $229 | $20K | 14.50% |
| PLAN SOURCE BENEFIT ADMINISTRATION3 | P.O. BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $59K |
| CIGNA EIN 59-1031071 ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $33K |
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 | 2,499 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,527 | 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 | 3,832 | $34.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,677 | $4.1M |
| Vision | EYEMED | 3,767 | $251K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,677 | $4.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,677 | $4.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 4,677 | $4.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,832 | $31.9M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,677 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,677 | — |
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 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.