| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | GUARDIAN | $6K | — | $6K | 7.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | GUARDIAN | $4K | — | $4K | 5.00% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD. STTE. 390 ROCKVILLE, MD 20850 | GUARDIAN | $18 | — | $18 | 0.02% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.29% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$12 | -$12 | -0.02% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 540 FORT EVANS RD. NE., STE. 301 LEESBURG, VA 20176 | VISION SERVICE PLAN | $1K | — | $1K | 5.56% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 326 | $81K |
| Vision | VISION SERVICE PLAN | 126 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $52K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.