| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KENNETH HUBER3 | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $17K | — | $17K | 1.78% |
| JONATHAN M POPE3 | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $9K | $0 | $9K | 0.98% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 17000 SCIENCE DRIVE SUITE10 BOWIE, MD 207150715 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.78% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY 400 W 4TH STREET SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.81% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 263 W. MAIN STREET ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.57% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 11.92% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.85% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN STREET ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.61% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.45% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 10.69% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET SUITE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $566 | $0 | $566 | 1.82% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 7.80% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $311 | $0 | $311 | 2.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $175 | $2K | 24.29% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $565 | $0 | $565 | 5.94% |
| LIFETIME FINANCIAL GROWTH OF MD3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $763 | $386 | $1K | 12.08% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $370 | $370 | 3.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP MARYLAND, LLC | 263 W MAIN STREET ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $347 | — | $347 | 3.65% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET STE 300 ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $316 | $0 | $316 | 3.32% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $741 | $415 | $1K | 13.15% |
| KELLY & ASSOCIATES INSURANCE GROUP5 | 1 KELLY WAY 400 W 4TH STREET SPARKS, MD 21152 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $354 | $354 | 4.03% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 263 W. MAIN STREET ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $322 | — | $322 | 3.66% |
| CAMBRIDGE CONSULTING GROUP LLC3 Filed as: CAMBRIDGE CONSULTING GROUP INC. | 400 W 4TH STREET 400 W 4TH STREET ROYAL OAK, MI 48067 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $256 | $0 | $256 | 2.91% |
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 | 125 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 205 | $956K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 93 | $10K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 169 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $40K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 205 | $956K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.