| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $76K | $14K | $90K | 23.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | DELTA DENTAL OF PENNSYLVANIA | $11K | — | $11K | 6.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | EYEMED VISION CARE | $2K | — | $2K | 7.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HCC LIFE INSURANCE EIN 35-1817054 REINSURANCE CARRIER | Insurance agents and brokers; Claims processing; Other services; Insurance services Service code 12 | — | $1.0M |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 THIRD PARTY ADMIN | Contract Administrator; Insurance agents and brokers; Claims processing; Insurance brokerage commissions and fees Service code 12 | — | $163K |
| HILB GROUP OF MARYLAND EIN 80-0887008 BROKER | Insurance agents and brokers Service code 22 | — | $110K |
| MDLIVE EIN 45-4937055 TELEHEATH | Claims processing; Other services Service code 12 | — | $4K |
| CONIFER VALUED-BASED CARE EIN 52-1964905 UTILIZATION MANAGEMENT | Other services Service code 49 | — | $947 |
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 | 343 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 343 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF PENNSYLVANIA | 541 | $159K |
| Vision | EYEMED VISION CARE | 488 | $29K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $382K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $382K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $382K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 343 | $382K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.