| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 3290 NORTH RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $111K | $20K | $131K | 5.89% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI INC. | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $4K | $2 | $4K | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 9.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BOULEVARD SUITE 210 ROCKVILLE, IL 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 2.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PLACE, SUITE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 1.14% |
No Schedule C service providers reported on this filing.
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 | 631 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 641 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 346 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 648 | $367K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 648 | $367K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 648 | $367K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 648 | $367K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 648 | $367K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 346 | $2.2M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 648 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 648 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.