| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS INC | 36 S CHARLES ST STE 1000 BALTIMORE, MD 21201 | SYMETRA LIFE INSURANCE COMPANY | $6K | $10K | $16K | 5.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ZELIS ADMINISTRATOR | Claims processing; Direct payment from the plan Service code 12 | 2 CROSSROADS DR BEDMINSTER, NJ 07921 | $849K |
| BENEFITS ADMINISTRATION, LLC EIN 52-1139156 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | 9411 PHILADELPHIA ROAD BALTIMORE, MD 21237 | $613K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 ADMINISTRATOR | Claims processing; Direct payment from the plan Service code 12 | P.O. BOX 6016 WORTHINGTON, OH 43085 | $215K |
| CAREFIRST NETWORK LEASING EIN 52-1187907 ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | 1501 S. CLINTON STREET BALTIMORE, MD 21224 | $150K |
| CAREFIRST OF MARYLAND, INC. EIN 52-1385894 ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | — | $125K |
| EXPRESS SCRIPTS ADMINISTRATOR | Claims processing; Direct payment from the plan Service code 12 | 1 EXPRESS WAY ST. LOUIS, MO 63121 | $117K |
| HCFL EIN 52-1399339 AUDITOR | Direct payment from the plan; Accounting (including auditing) Service code 10 | 1954 GREENSPRING DRIVE TIMONIUM, MD 21093 | $64K |
| AMERICAN REALTY ADVISORS EIN 33-0123114 INVESTMENT MANAGEMENT | Investment management; Investment management fees paid directly by plan Service code 28 | 801 N. BRAND BLVD, 800 GLENDALE, CA 91203 | $51K |
| BOLTON PARTNERS EIN 52-1231144 ACTUARY | Direct payment from the plan; Actuarial Service code 11 | 36 S. CHARLES STREET BALTIMORE, MD 21201 | $36K |
| PNC BANK EIN 22-1146430 CUSTODIAN | Direct payment from the plan; Other investment fees and expenses Service code 50 | TWO HOPKINS PLAZA BALTIMORE, MD 21201 | $31K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 ADMINISTRATOR | Direct payment from the plan; Claims processing Service code 12 | — | $28K |
| ABATO, RUBENSTEIN & ABATO EIN 52-0904713 PLAN COUNSEL | Legal; Direct payment from the plan Service code 29 | 809 GLEN EAGLES COURT TOWSON, MD 21286 | $27K |
| MARCO CONSULTING GROUP, INC. EIN 36-3555078 INVESTMENT CONSULTANT | Direct payment from the plan; Investment advisory (plan) Service code 27 | 550 W. WASHINGTON BLVD CHICAGO, IL 60661 | $25K |
| 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 | $24K |
| WELLINGTON TRUST COMPANY, NA EIN 04-2755549 INVESTMENT MANAGEMENT | Investment management fees paid directly by plan; Investment management Service code 28 | — | $13K |
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 | 2,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 485 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,625 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECROSS BLUESHIELD | 4,576 | $0 |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 2,625 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,576 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.