| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BLVD. SUITE 340 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $76K | $47 | $76K | 11.71% |
| ENROLLEASE3 Filed as: ENROLLEASE INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BLVD. SUITE 340 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $47 | $11K | 25.23% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC. | 8370 VETERANS HIGHWAY MILLERSVILLE, MD 21108 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 25.12% |
| ENROLLEASE3 Filed as: ENROLLEASE INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $607 | $607 | 1.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BLVD. SUITE 340 ROCKVILLE, MD 20850 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $47 | $10K | 32.13% |
| MWE SOLUTIONS MS3 Filed as: MWE SOLUTIONS INC. | 8370 VETERANS HIGHWAY MILLERSVILLE, MD 21108 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 31.98% |
| ENROLLEASE3 Filed as: ENROLLEASE INC. | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $402 | $402 | 1.32% |
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 | 816 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 816 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 476 | $73K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $652K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $652K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $652K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $652K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $652K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 816 | $652K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 816 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.