| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE J LEVINE3 | 72 LIVINGSTON AVE CRAWFORD, NJ 07016 | CAREFIRST BLUECHOICE, INC. | $2K | $25K | $26K | 3.38% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | CAREFIRST BLUECHOICE, INC. | — | $9K | $9K | 1.09% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE, INC. | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $510 | $677 | $1K | 5.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $949 | — | $949 | 4.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $832 | — | $832 | 3.63% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $580 | $580 | 2.53% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE, INC. | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $439 | $548 | $987 | 5.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $779 | — | $779 | 4.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $684 | — | $684 | 3.60% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $470 | $470 | 2.47% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE, INC | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $400 | $518 | $918 | 5.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $730 | — | $730 | 4.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $638 | — | $638 | 3.61% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $444 | $444 | 2.51% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE, INC. | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $120 | $166 | $286 | 6.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $156 | — | $156 | 3.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9713 KEY WEST AVE STE 401 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $146 | — | $146 | 3.45% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $142 | $142 | 3.36% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 114 | $782K |
| Dental | CAREFIRST BLUECHOICE, INC. | 114 | $782K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $27K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $19K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $18K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 114 | $782K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 114 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.