| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD NE. SUITE 301 LEESBURG, VA 20176 | CAREFIRST OF MARYLAND, INC. | $5K | $272K | $278K | 1.40% |
| 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 | $86K | $8K | $93K | 16.31% |
| WATCH TOWER TECHNOLOGIES INC3 | 306 W ERIE ST CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $16K | $16K | 2.73% |
| PLAN SOURCE BENEFIT ADMINISTRATION3 Filed as: PLAN SOURCE BENEFITS ADMINISTRATION | 101 S GARLAND AVENUE ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$2K | -$2K | -0.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | HARTFORD LIFE AND ACCIDENT | $61K | — | $61K | 15.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD SUITE 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 2.54% |
| 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 | $30K | $3K | $33K | 16.49% |
| WATCH TOWER TECHNOLOGIES INC3 | 306 W ERIE ST FLOOR 3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 2.81% |
| PLAN SOURCE BENEFIT ADMINISTRATION3 Filed as: PLAN SOURCE BENEFITS ADMINISTRATION | 101 S GARLAND AVENUE ORLANDO, FL 32801 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | -$660 | -$660 | -0.32% |
| 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 | $7K | $683 | $8K | 16.45% |
| WATCH TOWER TECHNOLOGIES INC3 | 306 W ERIE ST FLOOR3 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.76% |
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 | 1,955 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 1,495 | $19.9M |
| Dental | CAREFIRST OF MARYLAND, INC. | 1,495 | $19.9M |
| Vision | CAREFIRST OF MARYLAND, INC. | 1,495 | $19.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,955 | $571K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,162 | $203K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 1,495 | $19.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,955 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,955 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.