| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID ATLANTIC | 3290 N. RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | GHMSI, CAREFIRST BLUECHOICE | — | $62K | $62K | 4.25% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 W. STATE ROAD 434 LONGWOOD, FL 32750 | GHMSI, CAREFIRST BLUECHOICE | — | $21K | $21K | 1.42% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | GHMSI, CAREFIRST BLUECHOICE | — | $18K | $18K | 1.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BLVD. SUITE #210 ROCKVILLE, MD 20850 | DOMINION NATIONAL | $4K | — | $4K | 4.76% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 WEST STATE RD #434 LONGWOOD, FL 32750 | DOMINION NATIONAL | $2K | — | $2K | 2.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 1445 RESEARCH BOULEVARD SUITE 240 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $622 | $739 | $1K | 10.16% |
| INSURANCE OFFICE OF AMERICA3 | 4915 W CYPRESS ST. STE 100 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $717 | — | $717 | 5.35% |
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 | 216 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI, CAREFIRST BLUECHOICE | 296 | $1.5M |
| Dental | DOMINION NATIONAL | 280 | $82K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $13K |
| Prescription drug | GHMSI, CAREFIRST BLUECHOICE | 296 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.