| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 100 LIGHT STREET BALTIMORE, MD 21202 | RELIASTAR LIFE INSURANCE COMPANY | $8K | — | $8K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 100 LIGHT STREET BALTIMORE, MD 21202 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 2.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS ADMINISTRATION CORP EIN 52-1139156 PLAN ADMINISTRATOR | Plan Administrator; Direct payment from the plan Service code 14 | 9411 PHILADELPHIA ROAD BALTIMORE, MD 21237 | $504K |
| A&S FINANCIAL SERVICES, INC. ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | 2 SOUTH UNIVERSITY DRIVE PLANTATION, FL 33324 | $211K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | P.O. BOX 6016 WORTHINGTON, OH 43085 | $198K |
| CAREFIRST NETWORK LEASING EIN 52-1187907 ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | 1501 S. CLINTON STREET BALTIMORE, MD 21224 | $118K |
| HCFL EIN 52-1399339 AUDITOR | Accounting (including auditing); Direct payment from the plan Service code 10 | 1104 KENILWORTH DRIVE TOWSON, MD 21204 | $44K |
| EXPRESS SCRIPTS ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $38K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | — | $30K |
| BOLTON PARTNERS EIN 52-1231144 ACTUARY | Actuarial; Direct payment from the plan Service code 11 | 100 LIGHT STREET BALTIMORE, MD 21202 | $29K |
| ABATO, RUBENSTEIN & ABATO EIN 52-0904713 PLAN COUNSEL | Legal; Direct payment from the plan Service code 29 | 809 GLEN EAGLES COURT TOWSON, MD 21286 | $26K |
| COLUMBIA PARTNERS, LLC EIN 52-1940739 INVESTMENT MANAGER | Soft dollars commissions; Securities brokerage commissions and fees; Investment management fees paid directly by plan; Investment management Service code 28 | 5425 WISCONSIN AVENUE CHEVY CHASE, MD 20815 | $23K |
| MARCO CONSULTING GROUP, INC. EIN 36-3555078 INVESTMENT CONSULTANT | Investment advisory (plan); Direct payment from the plan Service code 27 | 550 W. WASHINGTON BLVD CHICAGO, IL 60661 | $20K |
| PNC BANK EIN 22-1146430 CUSTODIAN | Float revenue; Custodial (securities); Recordkeeping fees; Other investment fees and expenses; Direct payment from the plan Service code 19 | TWO HOPKINS PLAZA BALTIMORE, MD 21201 | $17K |
| LOOMIS SAYLES TRUST COMPANY EIN 20-8080381 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan Service code 51 | ONE FINANCIAL CENTER BOSTON, MA 02111 | $8K |
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 | 2,301 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 395 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,696 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECROSS BLUESHIELD | 3,631 | $0 |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 8,296 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,296 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.