| 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 | 4.85% |
| CIGNA3 Filed as: CIGNA HEALTH AND LIFE INSURANCE | 1207 18TH AVE, SOUTH NASHVILLE, TN 37212 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 1.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR SUITE 400S DALLAS, MD 75251 | GUARDIAN | $2K | $3K | $5K | 7.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 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 | $571K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 96 | $49K |
| Vision | NATIONAL VISION ADMINISTRATION, L.L.C. | 61 | $4K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 212 | $62K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 212 | $62K |
| Long-term disability | GUARDIAN | 42 | $62K |
| Prescription drug | BENISTAR GROUP RETIRE HEALTH SOLUTIONS | 50 | $361K |
| Other | GUARDIAN | 42 | $62K |
| 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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.