| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 1445 RESEARCH BLVD, SUITE 340 ROCKVILLE, MD 20850 | BENISTAR GROUP RETIRE HEALTH SOLUTIONS | $17K | — | $17K | 4.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR SUITE 400S DALLAS, MD 75251 | GUARDIAN | $2K | — | $2K | 2.95% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOC FINANCIAL SVCS | 1445 RESEARCH BLVD STE 340 ROCKVILLE, MD 20850 | HARTFORD LIFE AND ACCIDENT | $128 | — | $128 | 14.95% |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BENISTAR GROUP RETIRE HEALTH SOLUTIONS | 50 | $343K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 95 | $52K |
| Vision | NATIONAL VISION ADMINISTRATION, L.L.C. | 67 | $4K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 212 | $57K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 212 | $57K |
| Long-term disability | GUARDIAN | 46 | $56K |
| Prescription drug | BENISTAR GROUP RETIRE HEALTH SOLUTIONS | 50 | $343K |
| Other | GUARDIAN | 46 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.