| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEEL BENEFIT ADVISORS LLC3 | 108 WEST 13TH STREET, SUITE 100 WILMINGTON, DE 19801 | UNITEDHEALTHCARE INSURANCE COMPANY | $717K | $0 | $717K | 3.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 1445 RESEARCH BOULEVARD, SUITE 340 ROCKVILLE, MD 20850 | UNITEDHEALTHCARE INSURANCE COMPANY | $307K | $0 | $307K | 1.41% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITEDHEALTHCARE INSURANCE COMPANY | $90K | $0 | $90K | 0.41% |
| DEEL BENEFIT ADVISORS LLC3 | UNKNOWN MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF NEW JERSEY | $113K | $0 | $113K | 6.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC | UNKNOWN MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF NEW JERSEY | $48K | $0 | $48K | 2.81% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS | UNKNOWN MOUNT LAUREL, NJ 08054 | DELTA DENTAL OF NEW JERSEY | $11K | $0 | $11K | 0.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 1445 RESEARCH BOULEVARD, SUITE 210 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN, INC. | $25K | $0 | $25K | 4.24% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON AND THOMAS, INC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN, INC. | $1K | $0 | $1K | 0.18% |
| DEEL BENEFITS ADVISORS LLC3 | 108 WEST 13TH STREET, SUITE 100 WILMINGTON, DE 19801 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $60K | $0 | $60K | 10.61% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | $0 | $27K | 4.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC. | 1445 RESEARCH BOULEVARD, SUITE 340 ROCKVILLE, MD 20850 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $0 | $26K | 4.55% |
| MATHER & STROHL ADMIN SVCS INC3 Filed as: MATHER AND STROHL ADMIN. SVCS INC | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $21K | $21K | 3.79% |
| DEEL BENEFIT ADVISORS LLC3 | 1108 SANDY HOLLOW COURT SILVER SPRING, MD 20905 | VISION SERVICE PLAN | $30K | $0 | $30K | 6.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-ATLANTIC INC | 3290 NORTH RIDGE ROAD, SUITE 300 ELLICOTT CITY, MD 21043 | VISION SERVICE PLAN | $13K | $0 | $13K | 2.70% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $2K | $0 | $2K | 0.45% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC, LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | VISION SERVICE PLAN | $1K | $0 | $1K | 0.31% |
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 | 2,374 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 63 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 182 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,919 | $22.4M |
| Dental | DELTA DENTAL OF NEW JERSEY | 4,093 | $1.7M |
| Vision | VISION SERVICE PLAN | 2,584 | $468K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 906 | $564K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 906 | $564K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 906 | $564K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,919 | $22.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,093 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.