| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF INDIANA | 3209 W. SMITH VALLEY RD., STE. 112 GREENWOOD, IN 46142 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 11.79% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OPERATING COMPANY | 6802 PARAGON PL., STE. 200 RICHMOND, VA 23230 | PRINCIPAL LIFE INSURANCE COMPANY | — | $389 | $389 | 0.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIA GROUP & RISK MGT EIN 81-4056122 PRODUCER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $38K |
| AMERICAN HEALTH HOLDINGS EIN 31-1368946 TELE MEDICINE | Contract Administrator; Claims processing Service code 12 | — | $37K |
| ULTRABENEFITS EIN 04-3525752 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $34K |
| CLARK & LAVEY EIN 04-3348257 PRODUCER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $31K |
| FIRST HEALTH EIN 59-1031071 PPO NETWORK | Other services; Contract Administrator; Participant communication; Claims processing Service code 12 | — | $12K |
| ACCOLADE EIN 01-0969591 CONCIERGE | Claims processing Service code 12 | — | $4K |
| PHIA GROUP EIN 04-3504115 FIDUCIARY | Named fiduciary Service code 31 | — | $1K |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 226 | $76K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 226 | $76K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 226 | $76K |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL LIFE INSURANCE COMPANY OF TEXAS | 90 | $429K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.