| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSSMANN-HURT-HOFFMAN INC3 | 3290 NORTH RIDGE RD SUITE 300 ELLICOTT CITY, MD 21043 | AETNA HEALTH INC | $27K | — | $27K | 3.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 3290 NORTH RIDGE RD SUITE 300 ELLICOTT CITY, MD 21043 | AETNA HEALTH INC | $9K | — | $9K | 1.30% |
| ROSSMANN-HURT-HOFFMAN INC3 | 3290 NORTH RIDGE RD SUITE 300 ELLICOTT CITY, MD 21043 | AETNA LIFE INSURANCE CO | $11K | — | $11K | 4.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 3290 NORTH RIDGE RD SUITE 300 ELLICOTT CITY, MD 21043 | AETNA LIFE INSURANCE CO | $4K | — | $4K | 1.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 3290 NORTH RIDGE RD SUITE 300 ELLICOTT CITY, MD 21043 | UNITEDHEALTHCARE INSURANCE CO | $2K | — | $2K | 8.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 3290 NORTH RIDGE RD SUITE 300 ELLICOTT CITY, MD 21043 | THE HARTFORD | $3K | — | $3K | 13.67% |
| ROSSMANN-HURT-HOFFMAN INC3 | 3290 NORTH RIDGE RD SUITE 300 ELLICOTT CITY, MD 21043 | UNITEDHEALTHCARE INSURANCE CO | $1K | — | $1K | 10.04% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO | 54 | $305K |
| Dental | BLUECROSS BLUESHIELD OF TENNESSEE INC | 19 | $12K |
| Life insurance | UNITEDHEALTHCARE INSURANCE CO | 155 | $11K |
| Short-term disability | THE HARTFORD | 130 | $20K |
| Other | UNITEDHEALTHCARE INSURANCE CO | 155 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.