| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $23K | $0 | $23K | 9.31% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 2.69% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENBERRY AVE CENTREVILLLE, MD 21617 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 16.11% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP | 540 FORT EVANS ROAD NE, SUITE 301 LEESBURG, VA 20176 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.61% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | VISION SERVICE PLAN | $1 | $0 | $1 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE CENTREVILLE, MD 21617 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 18.54% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | METROPOLITAN LIFE INSURANCE COMPANY | $571 | $0 | $571 | 1.27% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE CENTREVILLE, MD 21617 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 18.87% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD STE 130 ANNAPOLIS, MD 21401 | METROPOLITAN LIFE INSURANCE COMPANY | $256 | $0 | $256 | 1.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ISI OF MARYLAND BROKER | Insurance agents and brokers Service code 22 | 170 JENNIFER RD ANNAPOLIS, MD 21401 | $114K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 ADMIN | Claims processing Service code 12 | — | $49K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $48K |
| CONNECTCARE 3 EIN 26-1768616 OTHER | Other services Service code 49 | — | $17K |
| SUN LIFE ASSURANCE COMPANY EIN 38-1082080 ADMIN | Claims processing Service code 12 | — | $12K |
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 | 396 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 339 | $53K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 396 | $245K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 396 | $245K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 396 | $245K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 357 | $611K |
| Other(4 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 396 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.