| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | MUTUAL OF OMAHA INSURANCE COMPANY | $10K | — | $10K | 7.52% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | — | $9K | 7.48% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MA 21030 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $4K | $4K | 3.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | — | $9K | 7.52% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | — | $9K | 7.48% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MA 21030 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 7.55% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | COMPANION LIFE INSURANCE COMPANY | $7K | — | $7K | 7.45% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MA 21030 | COMPANION LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.92% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.74% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 7.52% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | COMPANION LIFE INSURANCE COMPANY | $6K | — | $6K | 7.48% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MA 21030 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 7.44% |
| MARY THERESA FISHER3 | 898 UNION CHURCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $4K | — | $4K | 18.60% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 22934 THREE NOTCH RD CALIFORNIA, MD 20619 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | — | $2K | 10.12% |
| PSA FINANCIAL, INC.3 Filed as: PSA FINANCIAL | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $374 | — | $374 | 1.90% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 7.51% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 7.50% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MA 21030 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $424 | $424 | 3.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | MUTUAL OF OMAHA INSURANCE COMPANY | $692 | — | $692 | 7.76% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | MUTUAL OF OMAHA INSURANCE COMPANY | $645 | — | $645 | 7.23% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE STE 200 HUNT VALLEY, MA 21030 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $268 | $268 | 3.00% |
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 | 635 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 483 | $58K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 635 | $174K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 633 | $114K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 633 | $126K |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 635 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.