| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 36 S. CHARLES STREET, SUITE 1000 BALTIMORE, MD 21201 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $37K | $472 | $38K | 2.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFITS ADMINISTRATION CORPORATION EIN 52-1139156 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $440K |
| CONIFER VALUE-BASED CARE, LLC EIN 52-1964905 NONE | Insurance services Service code 23 | — | $183K |
| ZELIS EIN 86-1040704 NONE | Claims processing; Direct payment from the plan Service code 12 | 2 CROSSROADS DR BEDMINSTER, NJ 07921 | $164K |
| BOLTON PARTNERS EIN 52-1231144 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $117K |
| CAREFIRST BC/BS OF MARYLAND EIN 52-1385894 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $85K |
| NCAS NONE | Claims processing; Direct payment from the plan Service code 12 | 1501 S. CLINTON STREET, 7TH FLOOR BALTIMORE, MD 21224 | $78K |
| CHARTWELL INVESTMENT PARTNERS EIN 36-4776242 NONE | Investment management fees paid directly by plan; Investment management; Named fiduciary Service code 28 | — | $73K |
| ASMED HEALTH, LLC EIN 27-4189010 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $65K |
| ABATO, RUBENSTEIN, & ABATO EIN 52-0904713 NONE | Legal; Direct payment from the plan Service code 29 | — | $52K |
| OPTUMRX EIN 33-0441200 NONE | Float revenue; Direct payment from the plan; Claims processing; Other fees Service code 12 | — | $44K |
| CALL A DOCTOR PLUS NONE | Other services; Direct payment from the plan Service code 49 | 35 NOD ROAD, SUITE 102 AVON, CT 06001 | $43K |
| CIGNA HEALTH & LIFE INSURANCE COMPA EIN 59-1031071 NONE | Other services; Named fiduciary; Claims processing; Float revenue; Contract Administrator; Participant communication Service code 12 | — | $35K |
| INVESTMENT PERFORMANCE SERVICES EIN 58-2432390 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $32K |
| CALIBRE CPA GROUP EIN 47-0900880 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| PNC BANK EIN 22-1146430 NONE | Investment management fees paid directly by plan; Legal; Direct payment from the plan; Custodial (securities) Service code 19 | — | $14K |
| NATIONAL VISION ADMINISTRATORS, LLC EIN 74-3033381 NONE | Claims processing; Direct payment from the plan; Plan Administrator; Insurance services; Contract Administrator Service code 12 | — | $10K |
| KARI CORDELL UNION TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 8100 SANDPIPER CIRCLE, STE. 200 BALTIMORE, MD 21236 | $10K |
| ERIC ECKSTEIN UNION TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 8100 SANDPIPER CIRCLE, STE. 200 BALTIMORE, MD 21236 | $9K |
| ANTHONY GEORGE UNION TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 8100 SANDPIPER CIRCLE, STE. 200 BALTIMORE, MD 21236 | $8K |
| KENNETH KAHL UNION TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 8100 SANDPIPER CIRCLE, STE. 200 BALTIMORE, MD 21236 | $7K |
| SEGAL SELECT INSURANCE SERVICES | Insurance brokerage commissions and fees Service code 53 | — | $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 | 1,503 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 446 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Other | LABOR FIRST, LLC (SIERRA HEALTH) | 592 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.