| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMAGINE 360 ADMINISTRATORS, LLC3 Filed as: IMAGINE 360 ADMINISTRATORS LLC | PO BOX 749075 DALLAS, TX 75374 | TOKIO MARINE HCC | — | $33K | $33K | 3.50% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 304 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $11K | $46K | 13.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 304 LEESBURG, VA 20176 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $49K | $9K | $58K | 20.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 304 LEESBURG, VA 20176 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $7K | $42K | 17.30% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 304 LEESBURG, VA 20176 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $6K | $39K | 19.48% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 304 LEESBURG, VA 20176 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $66K | — | $66K | 41.03% |
| BRADLEY W GRAMM3 Filed as: BRADLEY W. GRAMM | 100 EASTSHORE DR., STE. 300 GLEN ALLEN, VA 230595758 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $22K | — | $22K | 13.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 304 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $34K | $7K | $41K | 41.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $3K | $20K | 37.17% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 304 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $16K | $3K | $19K | 37.11% |
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 | 1,215 | 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) | 1,222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 678 | $357K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 578 | $42K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,215 | $451K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,215 | $244K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 283 | $203K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 558 | $931K |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,215 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,215 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.