| 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 | $50K | $7K | $56K | 4.81% |
| 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 | $12K | $2K | $14K | 1.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $16K | 20.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $967 | $82 | $1K | 2.80% |
| BLACK, JAY, E3 | 1400 MIDHURST COURT BEL AIR, MD 21014 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $891 | $0 | $891 | 2.38% |
| VIDAL-AWBREY, SONIA, A3 | 2665 PROSPERITY AVENUE, SUITE 113 FAIRFAX, VA 22031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $671 | $0 | $671 | 1.79% |
| BENT, ANN MARIE,3 | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $671 | $0 | $671 | 1.79% |
| LINDER-STAUBS, KAREN,3 | 2510 PROCTOR LANE BALTIMORE, MD 21234 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | $0 | $4 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $64 | $2K | 4.10% |
| BLACK, JAY, E3 | 1400 MIDHURST COURT BEL AIR, MD 21014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 3.03% |
| VIDAL-AWBREY, SONIA, A3 | 2665 PROSPERITY AVENUE, SUITE 113 FAIRFAX, VA 22031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $880 | $0 | $880 | 2.37% |
| BENT, ANN MARIE,3 | 7551 ORCHID HAMMOCK DRIVE WEST PALM BEACH, FL 33412 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $880 | $0 | $880 | 2.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | GUARDIAN | $1K | $695 | $2K | 15.72% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 189 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 192 | $1.2M |
| Vision | GUARDIAN | 126 | $12K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $114K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $77K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $77K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 192 | $1.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 179 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.