| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | — | $2K | $2K | 0.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 2.63% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $920 | $920 | 2.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $402 | $402 | 2.20% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $454 | $454 | 2.77% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 21.63% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD HUNT VALLEY, MD 21031 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $48 | $48 | 0.50% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 21.43% |
| MARY THERESA FISHER3 | 898 UNION CHURCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $732 | — | $732 | 10.13% |
| 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 LEGALSHIELD | $91 | — | $91 | 1.26% |
| TODAY'S THE DAY LLC3 Filed as: TODAY'S THE DAY LLC DBA NATALIE GUT | 7312 SEAWALL BLVD APT 209 GALVESTON, TX 77551 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $55 | — | $55 | 0.76% |
| SOAR TO SUCCESS LLC3 | 28 ONEIDA ST NEW BRITAIN, CT 06053 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $36 | — | $36 | 0.50% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: SILBERSTEIN INSURANCE GROUP LLC | 2850 QUARRY LAKE DRIVE SUITE 303 BALTIMORE, MD 21209 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | — | $25 | 0.35% |
| RCM AND D3 Filed as: RCM&D INC | 4 NORTH PARK DRIVE, SUITE 500 HUNT VALLEY, MD 21030 | FEDERAL INSURANCE COMPANY | $525 | — | $525 | 15.01% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 129 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 129 | $1.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 129 | $1.7M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $80K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 46 | $18K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 43 | $41K |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 142 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.