| 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 BLUECHOICE, INC. | — | $86K | $86K | 4.42% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE #400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | — | $21K | $21K | 1.06% |
| PSA INSURANCE & FINANCIAL PARTNERS3 Filed as: PSA INSURANCE AND FINANCIAL PARTNER | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CAREFIRST BLUECHOICE, INC. | — | $16K | $16K | 0.82% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 12.03% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 17.66% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 17.87% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 17.99% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.13% |
| MARY THERESA FISHER3 | 898 UNION CHURCH RD TOWNSEND, DE 19734 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $920 | — | $920 | 8.97% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | UNIT B 22934 THREE NOTCH RD CALIFORNIA, MD 20619 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $606 | — | $606 | 5.91% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $735 | $378 | $1K | 20.87% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $173 | $173 | 3.24% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 263 W MAIN ST ABINGDON, VA 24210 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $131 | — | $131 | 2.46% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 540 FORT EVANS RD. SUITE 301 LEESBURG, VA 20176 | FOUR EVER LIFE INSURANCE COMPANY | $728 | — | $728 | 15.01% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE, INC. | 210 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 198 | $139K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 159 | $24K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $92K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $55K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 235 | $67K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 210 | $2.0M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.