| 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 | AETNA LIFE INSURANCE COMPANY | $80K | $0 | $80K | 0.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 1445 RESEARCH BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $50K | $0 | $50K | 1.00% |
| 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 | $0 | $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 | $445K | $116K | $561K | 13.37% |
| EMPLOYEE FAMILY PROTECTION INC3 | 90 KREIGER LANDING GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $0 | $168K | $168K | 4.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNAITONAL MID-ATLANTIC | UNKNOWN TYSONS, VA 22102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $109K | $0 | $109K | 9.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 1445 RESEARCH BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN, INC. | $27K | $0 | $27K | 3.25% |
| EMPLOYEE FAMILY PROTECTION INC3 | 90 KREIGER LANDING GLASTONBURY, CT 06033 | STANDARD INSURANCE COMPANY | $276K | $12K | $288K | 48.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC INC | 3290 NORTH RIDGE ROAD, SUITE 300 ELLICOTT CITY, MD 21043 | STANDARD INSURANCE COMPANY | $21K | $0 | $21K | 3.62% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $107K | $16K | $123K | 27.34% |
| 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 | $41K | $3K | $44K | 9.68% |
| OPTAVISE, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78 | $0 | $78 | 0.02% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $99K | $15K | $114K | 26.81% |
| 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 | $34K | $2K | $36K | 8.47% |
| OPTAVISE, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 0.91% |
| 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 | $60 | $0 | $60 | 0.01% |
| 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, INC. | $1K | $0 | $1K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATON 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 | $335 | $0 | $335 | 34.61% |
| 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 | $139 | $0 | $139 | 14.36% |
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 | 5,278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 7 carriers) | INNOVATION HEALTH | 6,981 | $32.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 6,981 | $12.9M |
| Vision | AETNA LIFE INSURANCE COMPANY | 6,981 | $11.7M |
| Life insurance | STANDARD INSURANCE COMPANY | 4,977 | $4.2M |
| Short-term disability | STANDARD INSURANCE COMPANY | 4,977 | $4.2M |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,977 | $4.2M |
| Prescription drug(4 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 6,981 | $17.7M |
| Other(9 contracts, 8 carriers) | STANDARD INSURANCE COMPANY | 5,278 | $6.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,981 | — |
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.