| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | INNOVATION HEALTH | $110K | $3K | $113K | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | AETNA LIFE INSURANCE CO. | $76K | $28K | $104K | 0.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 3290 NORTH RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $52K | $35K | $86K | 1.68% |
| ALAN J ZUCCARI INC3 Filed as: ALAN J. ZUCCARI INC. | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $7K | $5 | $7K | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC INC | 3290 NORTH RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | STANDARD INSURANCE COMPANY | $449K | $76K | $525K | 11.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | UNKNOWN TYSONS, VA 22102 | GBG INSURANCE LIMITED | $109K | $0 | $109K | 9.00% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $166K | $27K | $193K | 16.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $88K | $7K | $95K | 7.95% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $80 | $1 | $81 | 0.01% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $81K | $12K | $93K | 20.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $44K | $3K | $47K | 10.50% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 0.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 3290 NORTH RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71 | $0 | $71 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN INC | $12K | $0 | $12K | 2.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA | $2K | $0 | $2K | 1.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 200 LIBERTY STREET, 7TH FLOOR NEW YORK, NY 10281 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH PA | $4K | $0 | $4K | 15.00% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $301 | $0 | $301 | 43.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | FIRST UNUM LIFE INSURANCE COMPANY | $162 | $0 | $162 | 23.38% |
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 | 4,601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | INNOVATION HEALTH | 6,397 | $29.4M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 6,397 | $12.2M |
| Vision | AETNA LIFE INSURANCE CO. | 6,397 | $11.0M |
| Life insurance | STANDARD INSURANCE COMPANY | 4,560 | $4.4M |
| Short-term disability | STANDARD INSURANCE COMPANY | 4,560 | $4.4M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,560 | $4.4M |
| Prescription drug(4 contracts, 4 carriers) | AETNA LIFE INSURANCE CO. | 6,397 | $16.7M |
| Other(6 contracts, 6 carriers) | STANDARD INSURANCE COMPANY | 4,601 | $6.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,397 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.