| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SVCS INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $2K | $64K | $67K | 4.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | $3K | $37K | $39K | 2.82% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN SERVICES | 12404 PARK CENTRAL DR. STE 400 DALLAS, TX 75251 | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | — | $19K | $19K | 1.33% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SVCS INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 12.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.56% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SVCS INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $603 | — | $603 | 1.57% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SVCS INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $378 | — | $378 | 1.69% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SVCS INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $260 | — | $260 | 1.78% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC | 1445 RESEARCH BLVD. STE 340 ROCKVILLE, MD 20850 | ZURICH AMERICAN INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SVCS INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $966 | — | $966 | 13.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $87 | — | $87 | 1.24% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 237 | $1.4M |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 237 | $1.4M |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 237 | $1.4M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $70K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $38K |
| Prescription drug | GROUP HOSPITALIZATION MEDICAL SERVICES, INC. | 237 | $1.4M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 146 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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 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.