| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BOLTON PARTNERS | 1 W. PENNSYLVANIA AVE TOWNSON, MD 21204 | UNION LABOR LIFE INSURANCE COMPANY | $225K | $68K | $293K | 14.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS | 36 S. CHARLES ST., SUITE 1000 BALTIMORE, MD 21201 | SYMETRA LIFE INSURANCE COMPANY | $249K | $35K | $284K | 28.81% |
| LABOR FIRST LLC3 | 1000 MIDATLANTIC DRIVE MOUNT LAUREL, NJ 08054 | HUMANA | $16K | — | $16K | 2.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DECISION SCIENCE, INC EIN 52-1055523 NONE | Contract Administrator Service code 13 | — | $782K |
| NCAS (CAREFIRST PPO) EIN 52-1187907 NONE | Other fees Service code 99 | — | $173K |
| COMPLETE CLAIM SOLUTIONS, INC. EIN 26-4450838 NONE | Claims processing Service code 12 | — | $170K |
| BALDWIN LAW GROUP, LLP EIN 51-0568066 NONE | Legal Service code 29 | — | $76K |
| FIRST HEALTH GROUP CORP EIN 20-1736437 NONE | Other services Service code 49 | — | $61K |
| CIGNA DENTAL NONE | Other fees Service code 99 | 1601 CHESTNUT ST, PHILADELPHIA, PA 19192 | $52K |
| OPTUMRX EIN 33-0441200 NONE | Other fees Service code 99 | — | $47K |
| AMERICAN HEALTHCARE ALLIANCE NONE | Consulting (general) Service code 16 | 8717 WEST 110TH ST, STE 480 OVERLAND PARK, KS 66210 | $41K |
| DOYLE PRINTING & OFFSET CO., INC EIN 53-0191325 NONE | Other fees Service code 99 | — | $28K |
| RAYMOND JAMES & ASSOCIATES, INC EIN 59-1237041 NONE | Securities brokerage; Investment advisory (plan) Service code 27 | — | $25K |
| BOLTON PARTNERS, INC EIN 52-1231144 NONE | Accounting (including auditing) Service code 10 | — | $23K |
| GOLDBERG & BANKS, P.C. EIN 52-2062749 NONE | Accounting (including auditing) Service code 10 | — | $18K |
| NATIONAL VISION ADMINISTRATOR EIN 74-3033381 NONE | Claims processing Service code 12 | — | $16K |
| ACCENT PRINTERS, INC. EIN 52-1263036 NONE | Other fees Service code 99 | — | $14K |
| DANIEL A. WINTERS & COMPANY, CPAS EIN 23-2586736 NONE | Accounting (including auditing) Service code 10 | — | $12K |
| BARR & CAMENS NONE | Legal Service code 29 | 1025 CONNECTICUT AVE NW, SUITE 1000 WASHINGTON, DC 200365420 | $9K |
| M & T BANK EIN 16-0538020 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $0 |
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 | 2,807 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 449 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 3,256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 3,256 | $986K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 3,256 | $986K |
| Stop-loss / reinsurancereinsurance | UNION LABOR LIFE INSURANCE COMPANY | 2,845 | $2.0M |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 3,256 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,256 | — |
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.