| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | 36 S. CHARLES ST, SUITE 1000 BALTIMORE, MD 21201 | THE UNION LABOR LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.50% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST BLUECROSS BLUESHIELD EIN 52-1385894 MEDICAL BENEFIT MANAGEMT | Claims processing; Other fees; Direct payment from the plan Service code 12 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | $5.4M |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 NONE | Direct payment from the plan; Other services Service code 49 | 100 W. OLD WILSON BRIDGE ROAD WORTHINGTON, OH 430856015 | $66K |
| SHARON DAINES EIN 52-6048847 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $62K |
| INNOVATIVE SOFTWARE SOLUTIONS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 2 EXECUTIVE CAMPUS, SUITE 400 CHERRY HILL, NJ 08002 | $50K |
| HILL MANAGEMENT SERVICES NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 4835 TIMONIUM, MD 21094 | $44K |
| ROSANNA CAVANAUGH EIN 52-6048847 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $38K |
| LISA SHUEY EIN 52-6048847 PLAN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $37K |
| SABRINA CALVERT EIN 52-6048847 PLAN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $37K |
| TAMMY PATTON EIN 52-6048847 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $37K |
| PITNEY BOWES NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 371874 PITTSBURGH, PA 152507874 | $33K |
| WEYRICH, CRONIN & SORRA, LLC EIN 81-4643077 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $25K |
| INVESCO ADVISERS INC. EIN 46-3793325 NONE | Soft dollars commissions; Investment management Service code 28 | — | $23K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $23K |
| FAMOUS AND SPANG ASSOCIATES EIN 52-1202946 NONE | Insurance agents and brokers; Insurance services Service code 22 | 200 W. BELAIR AVENUE, P.O. BOX 458 ABERDEEN, MD 21117 | $15K |
| REYNOLDS CONSULTING SERVICES, LLC. EIN 20-1899564 NONE | Direct payment from the plan; Investment advisory (plan) Service code 27 | — | $15K |
| ABATO, RUBENSTEIN & ABATO EIN 52-0904713 NONE | Insurance agents and brokers; Direct payment from the plan Service code 22 | — | $14K |
| HEALTHCARE STRATEGIES NONE | Other services; Direct payment from the plan Service code 49 | 9841 BROKEN LAND PARKWAY SUITE 315 COLUMBIA, MD 21046 | $11K |
| PAVSNER PRESS NONE | Other services Service code 49 | 9008 YELLOW BRICK ROAD BALTIMORE, MD 21237 | $10K |
| VERIZON SELECT SERVICES NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 15124 ALBANY, NY 122125124 | $7K |
| WILMINGTON TRUST / M&T BANK EIN 16-0538020 NONE | Investment management; Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $2K |
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 | 1,555 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,567 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,634 | $75K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,634 | $75K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,570 | $328K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,634 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,634 | — |
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."
No prospect flags tripped on this filing.