| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 36 S. CHARLES ST. BALTIMORE, MD 21201 | AETNA LIFE INSURANCE CO. | $100K | — | $100K | 1.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 36 S. CHARLES ST. SUITE 1000 BALTIMORE, MD 21201 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $8K | — | $8K | 1.95% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEMT | Claims processing; Other fees; Direct payment from the plan; Float revenue Service code 12 | — | $2.0M |
| CAREFIRST OF MARYLAND, INC. EIN 52-1385894 MEDICAL BENEFIT MANAGEMT | Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $1.5M |
| ASSOCIATED ADMINISTRATORS, LLC EIN 52-0940029 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $304K |
| CAREFIRST BC/BS OF MARYLAND EIN 52-1385894 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $120K |
| CONIFER VALUE-BASED CARE, LLC EIN 52-1964905 NONE | Direct payment from the plan; Insurance services Service code 23 | 1596 WHITEHALL RD ANNAPOLIS, MD 21409 | $113K |
| ASMED HEALTH, LLC EIN 27-4189010 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $57K |
| 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 | $56K |
| ABATO, RUBENSTEIN AND ABATO EIN 52-0904713 NONE | Legal; Direct payment from the plan Service code 29 | — | $40K |
| SEGAL SELECT INSURANCE SERVICES, IN EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $21K |
| WEYRICH, CRONIN & SORRA, LLC EIN 81-4643077 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| INVESTMENT PERFORMANCE SERVICES, LL EIN 58-2432390 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $19K |
| KARI CORDELL NONE | Direct payment from the plan; Trustee (individual) Service code 20 | 1707 NORTH LAURA COURT JARRETSVILLE, MD 21084 | $11K |
| KENNETH KAHL NONE | Direct payment from the plan; Trustee (individual) Service code 20 | 11815 REYNOLDS ROAD KINGSVILLE, MD 21087 | $11K |
| DOYLE PRINTING & OFFSET CO., INC. EIN 53-0191325 NONE | Copying and duplicating; Other fees Service code 36 | — | $6K |
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 | 1,557 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 432 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,989 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 393 | $54K |
| Dental | GHMSI | 393 | $54K |
| Life insurance | LABOR FIRST, LLC | 564 | $1.3M |
| Prescription drug(2 contracts, 2 carriers) | LABOR FIRST, LLC | 393 | $1.2M |
| Other | LABOR FIRST, LLC | 564 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,159 | — |
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.