| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 100 LIGHT STREET, 9TH FLOOR BALTIMORE, MD 21202 | AETNA HEALTH, INC. | $39K | — | $39K | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 100 LIGHT STREET, 9TH FLOOR BALTIMORE, MD 21202 | COVENTRY HEALTH CARE OF DELAWARE | $46K | — | $46K | 2.00% |
| LABOR FIRST LLC3 Filed as: LABOR FIRST, LLC | 300 CHESTER AVE, STE 300 MOORESTOWN, NJ 08057 | UNITED AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| LABOR FIRST LLC3 Filed as: LABOR FIRST, LLC | 300 CHESTER AVE, STE 300 MOORESTOWN, NJ 08057 | UNITED HEALTHCARE INSURANCE CARRIER | $35K | — | $35K | 3.02% |
| EMPLOYEE & MEMBER INSURANCE SYSTEM3 | P.O. BOX 28367 BALTIMORE, MD 21234 | THE DENTAL NETWORK, INC. | $4K | — | $4K | 5.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEMT | Other fees; Float revenue; Direct payment from the plan; Claims processing Service code 12 | — | $2.9M |
| ASSOCIATED ADMINISTRATORS, LLC EIN 52-0940029 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $278K |
| CONIFER VALUE-BASED CARE, LLC NONE | Insurance services; Direct payment from the plan Service code 23 | 1596 WHITEHALL RD ANNAPOLIS, MD 21409 | $134K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $85K |
| CAREFIRST BC/BS OF MARYLAND EIN 52-1385894 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $51K |
| ASMED HEALTH PARTNERSHIP EIN 65-0456637 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $47K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | 1235 WESTLAKES DR, SUITE 400 BERWYN, PA 19312 | $31K |
| INVESTMENT PERFORMANCE SERVICES, LL EIN 58-2432390 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $25K |
| ABATO, RUBENSTEIN AND ABATO EIN 52-0904713 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| WEYRICH, CRONIN & SORRA, CHARTERED EIN 52-1162023 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $11K |
| PNC BANK EIN 22-1146430 NONE | Custodial (securities); Investment management; Investment management fees paid directly by plan Service code 19 | — | $8K |
| COLUMBIA PARTNERS, LLC NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | 5425 WISCONSIN AVE, SUITE 700 CHEVY CHASE, MD 20815 | $7K |
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 | 1,216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 430 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,646 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | COVENTRY HEALTH CARE OF DELAWARE | 0 | $2.3M |
| Dental | THE DENTAL NETWORK, INC. | 540 | $64K |
| Prescription drug | UNITED HEALTHCARE INSURANCE CARRIER | 599 | $1.1M |
| Other | UNITED AMERICAN INSURANCE COMPANY | 534 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,110 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.