| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTTIC INC | 1445 RESEARCH BLVD SUITE 210 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE INC | $3K | $111K | $115K | 9.57% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMINISTRATIVE | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE INC | — | $15K | $15K | 1.22% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: HUB INT MID ATL INC DBA RAFFA | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 14.60% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: HUB INT MID ATL INC DBA RAFFA | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.92% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC INC | 3290 NORTH RIDGE RD SUITE 300 ELLICOTT, MD 21043 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $491 | — | $491 | 5.36% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMINISTRATIVE | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $293 | — | $293 | 3.20% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: HUB INT MID ATL DBA RAFFA | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $632 | $346 | $978 | 15.47% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $190 | $190 | 3.00% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE INC | 139 | $1.2M |
| Dental | CAREFIRST BLUECHOICE INC | 139 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 177 | $9K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $36K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $50K |
| Prescription drug | CAREFIRST BLUECHOICE INC | 139 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.