| 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 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $18K | — | $18K | 4.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BLVD, STE 340 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR SUITE 400S DALLAS, MD 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21286 | DELTA DENTAL DISTRICT OF COLUMBIA | $510 | — | $510 | 1.20% |
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 | 42 | 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) | 52 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 52 | $598K |
| Dental | DELTA DENTAL DISTRICT OF COLUMBIA | 100 | $42K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 78 | $4K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 42 | $57K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 42 | $57K |
| Prescription drug | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 49 | $378K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 42 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.