| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE INSURANCE EXCHANGE INC3 Filed as: INSURANCE EXCHANGE | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 5.65% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $185 | $2K | 9.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20874 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $15 | $2K | 6.80% |
| DOTEN, JOHN, D3 Filed as: DOTEN, JOHN D | 6430 ROCKLEDGE DR STE 300 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $265 | — | $265 | 1.02% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $171 | $171 | 0.66% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP, LLC | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $95 | $2K | 8.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $66 | $1K | 7.41% |
| DOTEN, JOHN, D3 Filed as: DOTEN, JOHN D | 6430 ROCKLEDGE DR STE 300 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $306 | — | $306 | 1.68% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $714K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $714K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $714K |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 101 | $26K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 101 | $26K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.