| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $28K | — | $28K | 1.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEMT | Float revenue; Other fees; Claims processing; Direct payment from the plan Service code 12 | — | $2.8M |
| CAREFIRST OF MARYLAND, INC. EIN 52-1385894 MEDICAL BENEFIT MANAGEMT | Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $2.0M |
| ASSOCIATED ADMINISTRATORS, LLC EIN 52-0940029 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $275K |
| CONIFER VALUE-BASED CARE, LLC EIN 52-1964905 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $177K |
| CAREFIRST BC/BS OF MARYLAND EIN 52-1385894 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $155K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $68K |
| BENEFITS ADMINISTRATION CORP., INC. EIN 52-1139156 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $61K |
| 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 | $60K |
| ABATO, RUBENSTEIN AND ABATO EIN 52-0904713 NONE | Legal; Direct payment from the plan Service code 29 | — | $59K |
| ASMED HEALTH, LLC EIN 27-4189010 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $51K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 MEDICAL BENEFIT MANAGEMT | Direct payment from the plan; Other fees Service code 50 | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | $46K |
| DENTAL NETWORK NONE | Direct payment from the plan; Claims processing Service code 12 | 7400 YORK ROAD TOWSON, MD 21204 | $29K |
| INVESTMENT PERFORMANCE SERVICES, LL EIN 58-2432390 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $26K |
| SEGAL SELECT INSURANCE SERVICES, IN EIN 46-0619194 NONE | Insurance brokerage commissions and fees Service code 53 | — | $20K |
| WEYRICH, CRONIN & SORRA, LLC EIN 81-4643077 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
| KARI CORDELL TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 1707 NORTH LAURA COURT JARRETSVILLE, MD 21084 | $7K |
| KENNETH KAHL UNION TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 11815 REYNOLDS ROAD KINGSVILLE, MD 21087 | $6K |
| SCHMITZ & SONS, INC. EIN 52-0569969 NONE | Other fees; Copying and duplicating Service code 36 | — | $5K |
| PNC BANK EIN 22-1146430 NONE | Legal; Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $4K |
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 | 460 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 638 | $72K |
| Dental | CAREFIRST OF MARYLAND, INC. | 638 | $72K |
| Life insurance | LABOR FIRST, LLC | 571 | $1.4M |
| Prescription drug(2 contracts, 2 carriers) | LABOR FIRST, LLC | 638 | $1.1M |
| Other | LABOR FIRST, LLC | 571 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.