| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC | 1445 RESEARCH BLVD STE 210 ROCKVILLE, MD 20850 | CAREFIRST BLUECHOICE, INC. | — | $41K | $41K | 5.71% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMIN SERVICES | 12404 PARK CENTRAL DR. STE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | — | $7K | $7K | 0.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BLVD. SUITE 340 ROCKVILLE, MD 20850 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $1K | $5K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BLVD. SUITE 340 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $8K | 13.53% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC | 1445 RESEARCH BLVD. STE 340 ROCKVILLE, MD 20850 | NGL | $538 | — | $538 | 5.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 1445 RESEARCH BLVD. STE 210 ROCKVILLE, MA 20850 | NGL | $443 | — | $443 | 4.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BLVD. SUITE 340 ROCKVILLE, MD 20850 | UNUM INSURANCE COMPANY | $1K | $196 | $2K | 17.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BLVD. SUITE 340 ROCKVILLE, MD 20850 | UNUM INSURANCE COMPANY | $1K | $146 | $1K | 17.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BLVD. SUITE 340 ROCKVILLE, MD 20850 | UNUM INSURANCE COMPANY | $1K | $136 | $1K | 17.00% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 169 | $723K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 115 | $67K |
| Vision | NGL | 116 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $56K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $56K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $56K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 169 | $723K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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."
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.