| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 2.12% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $17K | $17K | 1.84% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 6 NORTH PARK DR. STE 310 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 0.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 3.87% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 2.06% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS INC | 11350 MCCORMICK ROAD, EP4 SUITE 400 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $789 | $789 | 1.37% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS | 11350 MCCORMICK ROAD EXECUTIVE PLAZA 4 STE 400 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $4K | $2K | $6K | 22.80% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | VISION SERVICE PLAN | $651 | — | $651 | 8.87% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY & ASSOCIATES INS GROUP | 1 KELLY WAY SPARKS, MD 21152 | VISION SERVICE PLAN | $225 | — | $225 | 3.07% |
| MARY THERESA FISHER3 | 898 UNION CHURCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $129 | — | $129 | 8.63% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 22934 THREE NOTCH RD UNIT B CALIFORNIA, MD 20619 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $110 | — | $110 | 7.36% |
| LILLENFIELD & ASSOCIATES LLC3 | 1100 HIGGINS PLACE UNIT 103 B ROCKVILLE, MD 20852 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 2.88% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 1.71% |
| ASSUREDPARTNERS3 Filed as: JENNIFER STEVENS | 2623 FALLSTON ROAD FALLSTON, MD 21047 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.54% |
| TRACEY MATZ3 | 2036 MARDIC DRIVE FOREST HILL, MD 21050 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.36% |
| DICE INSURANCE INC3 Filed as: DICE INSURANCE, INC. | 5219 CASENTINO COURT MYRTLE BEACH, SC 29579 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.36% |
| MID ATLANTIC INSURANCE SERVICES LLC3 Filed as: MID ATLANTIC INSURANCE GROUP, INC. | 34 C QUEEN ANNE WAY CHESTER, MD 21619 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.09% |
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 | 81 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 76 | $906K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 75 | $58K |
| Vision | VISION SERVICE PLAN | 73 | $7K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 81 | $28K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 2 | $1K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 81 | $27K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 81 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 81 | — |
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."
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.