| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 204 CATOCTIN CIRCLE SE, 2ND FL LEESBURG, VA 20175 | HARTFORD LIFE AND ACCIDENT | $35K | — | $35K | 12.55% |
| JAY E. BLACK3 Filed as: JAY E BLACK | 1400 MIDHURST COURT BEL AIR, MD 21014 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 0.70% |
| ANN MARIE BENT3 Filed as: ANN M BENT | 7551 ORCHID HAMMOCK DR WEST PALM BEACH, FL 33412 | HARTFORD LIFE AND ACCIDENT | $769 | — | $769 | 0.27% |
| KAREN LINDER-STAUBS3 | 2510 PROCTOR LANE PARKVILLE, MD 21234 | HARTFORD LIFE AND ACCIDENT | $751 | — | $751 | 0.27% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE | PO BOX 896620 CHARLOTTE, NC 28289 | METLIFE LEGAL PLANS, INC. | $729 | $33 | $762 | 17.26% |
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 | 487 | 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) | 487 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 393 | $124K |
| Vision | VISION BENEFITS OF AMERICA | 249 | $21K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 526 | $283K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 526 | $283K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 526 | $283K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 560 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.