| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP, INC | 4069 CHAIN BRIDGE RD FAIRFAX, VA 22030 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | $0 | $39K | 2.82% |
| THE INSURANCE EXCHANGE INC3 Filed as: THE INSURANCE EXCHANGE | 9713 KEY WEST AVE SUITE 401 ROCKVILLE, MD 20850 | DELTA DENTAL | $8K | $0 | $8K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 3290 N. RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN RAOD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $604 | $604 | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 3290 N. RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $698 | $698 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 3290 N. RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $191 | $191 | 0.91% |
| THE INSURANCE EXCHANGE INC3 | 9713 KEY WEST AVE SUITE 401 ROCKVILLE, MD 20850 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC, INC | 3290 N. RIDGE ROAD SUITE 300 ELLICOTT CITY, MD 21043 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| BENEFIT ADVISIORS NETWORK, LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $113 | $113 | 1.40% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 270 | $1.4M |
| Dental | DELTA DENTAL | 154 | $114K |
| Vision | VISION SERVICE PLAN | 136 | $21K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 173 | $29K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 173 | $47K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 173 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
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.