| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOCIATES FINANCIAL S | — | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 8.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | — | UNITED CONCORDIA INSURANCE COMPANY | $1K | — | $1K | 1.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $365 | $5K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $86 | $2K | 11.77% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES INC. | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | VISION SERVICE PLAN | $797 | — | $797 | 5.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | VISION SERVICE PLAN | $385 | — | $385 | 2.55% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES/HUB INTERN | — | LEGAL RESOURCES | $246 | — | $246 | 5.53% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 90 | $80K |
| Vision | VISION SERVICE PLAN | 85 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $81K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 101 | $66K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 105 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.