| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGUS, EVE3 | 1115 TAYLOR AVE, SUITE 112 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $34K | — | $34K | 1.99% |
| SPECTRUM BEN. SOL. OF CW LLC3 | 7402 STONE RIDGE DR SUITE 3 WESTON, WI 54476 | SECURITY HEALTH PLAN | $36K | — | $36K | 2.78% |
| CENTRAL MARYLAND INS ASSOC INC3 Filed as: CENTRAL MARYLAND INSURANCE | 2045 YORK ROAD SUITE #200 TIMONIUM, MD 21093 | CAREFIRST BLUECHOICE | $51K | $9K | $61K | 5.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED P | 5314 S YALE SUITE 900 TULSA, OK 74135 | COMMUNITY CARE | — | $25K | $25K | 2.85% |
| ASSOCIATED FINANCIAL GROUP LLC3 Filed as: ASSOCIATED FINANCIAL GROUP | 711 EISENHOWER DR KIMBERLY, WI 54136 | HARTFORD LIFE AND ACCIDENT | $49K | — | $49K | 6.00% |
| ASSOCIATED FINANCIAL GROUP LLC3 | P O BOX 640 GREEN BAY, WI 543050640 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 1.75% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES | 414 GALLIMORE DAIRY RS S GREENSBORO, NC 27409 | OPTIMA HEALTH INSURANCE COMPANY | $19K | — | $19K | 2.65% |
| SPECTRUM BEN. SOL. OF CW LLC3 | 7402 STONE BRIDGE DR, SUITE #3 WESTON, WI 54476 | SECURITY HEALTH PLAN OF WI INC | $7K | — | $7K | 2.96% |
| DIANE VOGEL3 | 9613 C HARFORD RD 161 BALTIMORE, MD 21234 | AFLAC | $5K | $62 | $5K | 6.15% |
| GROUP BENEFIT REVIEW3 Filed as: GROUP BENEFIT REVIEW INC | 2045 YORK RD STE 2 TIMONIUM, MD 21093 | AFLAC | $5K | — | $5K | 5.75% |
| JEAN FRESNEL JR3 | 700 12TH ST NW STE 700 WASHINGTON, DC 20005 | AFLAC | $1K | $16 | $1K | 1.45% |
| SUSAN MCDANIEL3 | 661 SAINT PAUL ST APT D BALTIMORE, MD 21202 | AFLAC | $721 | $17 | $738 | 0.90% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $676 | — | $676 | 0.83% |
| LOIS VEGA | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC | $653 | — | $653 | 0.80% |
| BB&T INSURANCE SERVICES, INC.3 Filed as: BB & T INSURANCE SERVICES INC | 1020 DRAYTON STREET, 2ND FLOOR STE 200 SAVANAH, GA 31401 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 9.21% |
| ASSOCIATED BENEFITS AND RISK CONSUL3 | 12600 WHITEWATER DRIVE, SUITE 100 HOPKINS, MN 55343 | HEALTH PARTNERS | $4K | — | $4K | 7.53% |
| CENTRAL MD INSURANCE ASSO INC3 | 2045 YORK RD STE 2 TIMONIUM, MD 210934246 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PLAN BENEFIT ANAL | 4775 E 91ST ST , STE 200 TULSA, OK 741372805 | DELTA DENTAL | $3K | — | $3K | 8.00% |
| DIANE VOGEL3 | 9613 C HARFORD RD 161 BALTIMORE, MD 21234 | AFLAC 1932 WYNNTON RD, COLUMBUS, GA | $329 | — | $329 | 3.89% |
| GROUP BENEFIT REVIEW3 Filed as: GROUP BENEFIT REVIEW INC | 2045 YORK RD STE 2 TIMONIUM, MD 21093 | AFLAC 1932 WYNNTON RD, COLUMBUS, GA | $316 | — | $316 | 3.74% |
| LOIS VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC 1932 WYNNTON RD, COLUMBUS, GA | $187 | — | $187 | 2.21% |
| EDWIN VEGA3 | 134 PINECOVE AVE ODENTON, MD 21113 | AFLAC 1932 WYNNTON RD, COLUMBUS, GA | $129 | — | $129 | 1.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITEDHEALTHCARE EIN 36-2739571 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $1.2M |
| BLUE ADVANTAGE EIN 71-0226428 NONE | Claims processing Service code 12 | — | $189K |
| SISCO EIN 42-1144827 NONE | Claims processing Service code 12 | — | $73K |
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 | 3,000 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 534 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,534 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(9 contracts, 9 carriers) | PRIORITY HEALTH | 392 | $6.8M |
| Dental(4 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 307 | $221K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 3,407 | $817K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 76 | $90K |
| Prescription drug(6 contracts, 6 carriers) | PRIORITY HEALTH | 382 | $5.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 3,407 | $817K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,407 | — |
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.