| 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 | $5K | $0 | $5K | 1.50% |
| NATIONAL CAPITAL INSURANCE AGENCY3 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST BLUECROSS BLUESHIELD EIN 52-1385894 MEDICAL BENEFIT MANAGEMT | Direct payment from the plan; Claims processing; Other fees Service code 12 | 10455 MILL RUN CIRCLE OWINGS MILLS, MD 21117 | $5.2M |
| SHARON DAINES EIN 52-6048847 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $68K |
| INNOVATIVE SOFTWARE SOLUTIONS NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 3000 SOUTH LENOLA RD MAPLE SHADE, NJ 08052 | $52K |
| HEALTHCARE STRATEGIES NONE | Direct payment from the plan; Other services Service code 49 | 9841 BROKEN LAND PARKWAY SUITE 315 COLUMBIA, MD 21046 | $47K |
| 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 | — | $40K |
| TAMMY PATTON EIN 52-6048847 PLAN EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $39K |
| LISA SHUEY EIN 52-6048847 PLAN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $38K |
| SABRINA CALVERT EIN 52-6048847 PLAN EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $38K |
| PITNEY BOWES NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 371874 PITTSBURGH, PA 152507874 | $28K |
| WEYRICH, CRONIN & SORRA, LLC EIN 81-4643077 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $28K |
| CCA LONG MANAGEMENT NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $24K |
| BOLTON PARTNERS, INC. EIN 52-1231144 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $23K |
| INVESCO ADVISERS INC. EIN 46-3793325 NONE | Soft dollars commissions; Investment management Service code 28 | — | $16K |
| 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 |
| ABATO, RUBENSTEIN & ABATO EIN 52-0904713 NONE | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $14K |
| REYNOLDS CONSULTING SERVICES, LLC. EIN 20-1899564 NONE | Investment advisory (plan); Direct payment from the plan Service code 27 | — | $12K |
| VERIZON SELECT SERVICES NONE | Direct payment from the plan; Other services Service code 49 | PO BOX 15124 ALBANY, NY 122125124 | $7K |
| WILMINGTON TRUST / M&T BANK EIN 16-0538020 NONE | Investment management fees paid directly by plan; Custodial (securities); Investment management 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 | 1,592 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,605 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,625 | $126K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,625 | $126K |
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,555 | $360K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 1,625 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,625 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.