| 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 | $35K | $8K | $43K | 2.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX, INC. EIN 33-0441200 PHARMACY BENEFIT MANAGEMT | Direct payment from the plan; Float revenue; Claims processing; Other fees Service code 12 | — | $3.1M |
| CAREFIRST OF MARYLAND, INC. EIN 52-1385894 MEDICAL BENEFIT MANAGEMT | Claims processing; Direct payment from the plan; Other fees Service code 12 | — | $3.0M |
| BENEFITS ADMINISTRATION CORP., INC. EIN 52-1139156 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $428K |
| CONIFER VALUE-BASED CARE, LLC EIN 52-1964905 NONE | Insurance services; Direct payment from the plan Service code 23 | — | $133K |
| CAREFIRST BC/BS OF MARYLAND EIN 52-1385894 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $80K |
| 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 | $71K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $68K |
| ASMED HEALTH, LLC EIN 27-4189010 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $59K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 MEDICAL BENEFIT MANAGEMT | Other fees; Direct payment from the plan Service code 50 | 1200 ROUTE 46 WEST CLIFTON, NJ 07013 | $52K |
| ABATO, RUBENSTEIN AND ABATO EIN 52-0904713 NONE | Legal; Direct payment from the plan Service code 29 | — | $42K |
| WEYRICH, CRONIN & SORRA, LLC EIN 81-4643077 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $40K |
| INVESTMENT PERFORMANCE SERVICES, LL EIN 58-2432390 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $39K |
| DENTAL NETWORK NONE | Direct payment from the plan; Claims processing Service code 12 | 7400 YORK ROAD TOWSON, MD 21204 | $35K |
| PNC BANK EIN 22-1146430 NONE | Custodial (securities); Legal; Investment management fees paid directly by plan Service code 19 | — | $12K |
| KARI CORDELL TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 1707 NORTH LAURA COURT JARRETSVILLE, MD 21084 | $6K |
| ERIC ECKSTEIN UNION TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 8100 SANDPIPER CIRCLE, STE. 200 BALTIMORE, MD 21236 | $6K |
| KENNETH KAHL UNION TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 11815 REYNOLDS ROAD KINGSVILLE, MD 21087 | $6K |
| ANTHONY GEORGE UNION TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 8100 SANDPIPER CIRCLE, STE. 200 BALTIMORE, MD 21236 | $5K |
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 | 1,521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 450 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,971 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 609 | $80K |
| Dental | CAREFIRST OF MARYLAND, INC. | 609 | $80K |
| Prescription drug(2 contracts, 2 carriers) | LABOR FIRST, LLC | 609 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 609 | — |
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.