| 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 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 15.00% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DRIVE, STE. 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 2.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | — | $538 | $538 | 0.97% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $813 | — | $813 | 10.00% |
| MARY THERESA FISHER3 | 898 UNION CHURCH ROAD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $310 | — | $310 | 7.81% |
| 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 | $186 | — | $186 | 4.68% |
| BRIAN W STEVENS3 | 1317 LINKOUS RD PYLESVILLE, MD 21132 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $27 | — | $27 | 0.68% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $55K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 102 | $8K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 149 | $55K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $55K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 149 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.