| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $66K | $603K | $669K | 2.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS STREET, SUITE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $28K | $28K | 0.11% |
| JOSEPH A APPELBAUM3 Filed as: JOSEPH W. BUYALOS JR. | 9051 MAJOR SMITH LANE FREDERICK, MD 21704 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $153K | $0 | $153K | 7.71% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $72K | $10K | $83K | 4.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $460 | $8K | 0.42% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | $0 | $87 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $21K | $0 | $21K | 9.30% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $34K | $4K | $38K | 19.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $181 | $4K | 2.07% |
| DIRECTPATH, LLC3 | 120 18TH STREET SOUTH, SUITE 102 BIRMINGHAM, AL 35233 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $743 | $0 | $743 | 0.38% |
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 1237 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $54 | $0 | $54 | 9.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 9713 KEY WEST AVENUE, SUITE 401 ROCKVILLE, MD 20850 | FIRST UNUM LIFE INSURANCE COMPANY | $9 | $0 | $9 | 1.66% |
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 | 3,933 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 179 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 7,330 | $24.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 7,330 | $24.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 4,883 | $229K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,926 | $2.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,926 | $2.0M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,926 | $2.0M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 7,330 | $24.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3,926 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,330 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.