| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 22934 THREE NOTCH RD., STE. B CALIFORNIA, MD 20619 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $50K | $53K | 5.12% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS.& FIN. SERVICES | 12404 PARK CENTRAL DR., STE. 400 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $22K | $22K | 2.09% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.03% |
| BENEFITMALL5 Filed as: BENEFITMALL INC. | 501 FAIRMOUNT AVE., STE. 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $913 | $913 | 3.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 19.28% |
| BENEFITMALL5 Filed as: BENEFITMALL INC. | 501 FAIRMOUNT AVE., STE. 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $731 | $731 | 3.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $865 | $2K | 14.91% |
| BENEFITMALL5 Filed as: BENEFITMALL INC. | 501 FAIRMOUNT AVE, STE. 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $436 | $436 | 2.86% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $1.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $1.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $1.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $24K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.