| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC INC. | 1445 RESEARCH BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | $0 | $110K | $110K | 6.54% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD EXECUTIVE PLAZA IV, SUITE 400 COCKEYSVILLE, MD 21031 | CAREFIRST BLUECHOICE, INC. | $0 | $15K | $15K | 0.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC, INC | 3290 NORTH RIDGE ROAD, SUITE 300 ELLICOTT CITY, MD 21043 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 6.40% |
| MJ INSURANCE3 | PO BOX 3430 CARMEL, IN 46082 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | $0 | $23K | 5.92% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS, INC. | 8370 VETERANS HIGHWAY, SUITE 101 MILLERSVILLE, MD 21108 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $16K | $21K | 5.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $12K | $12K | 3.01% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI, INC. | 6903 ROCKLEDGE DRIVE, SUITE 1400 BETHESDA, MD 20817 | PRINCIPAL LIFE INSURANCE COMPANY | $241 | $0 | $241 | 0.06% |
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 | 2,088 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,092 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 358 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,558 | $385K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,558 | $385K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,558 | $385K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,558 | $385K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 358 | $1.7M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 1,558 | $385K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,558 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.