| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD-STE 500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 7.49% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 Filed as: RIGGS COUNSELMAN MICHAELS & DOWNS | 4 NORTH PARK DRIVE - STE 500 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 5.46% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $579 | $5K | 3.60% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DRIVE STE 500 HUNT VALLEY, MA 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 2.43% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $16K | 13.17% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 1500 WHETSTONE WAY-STE 201 HBALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.05% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 N PARK DR-STE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.21% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 12.46% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 1500 WHETSTONE WAY, STE 201 SUITE 500 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 5.43% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 N PARK DR-STE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 13.05% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 1500 WHETSTONE WAY - STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.09% |
| CRAWFORD ADVISORS, LLC5 Filed as: CRAWFORD ADVISORS , LLC | 200 INTERNSATIONAL CIRCLE-STE 4500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $677 | $677 | 1.72% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 N PARK DR- STE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $512 | — | $512 | 1.30% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 12.89% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 1500 WHETSTONE WAY - STE 201 BALTIMORE, MD 21230 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.20% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 N PARK DR-STE 500 HUNT VALLEY, MD 21030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $297 | — | $297 | 1.19% |
| 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 | $2K | — | $2K | 10.19% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 4 NORTH PARK DR HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | $833 | — | $833 | 3.91% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 10 NORTH PARK DRIVE, STE. 200 HUNT VALLEY, MD 21030 | HARTFORD LIFE AND ACCIDENT | — | $758 | $758 | 3.56% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | — | $652 | $652 | 3.06% |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $493K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 197 | $151K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 197 | $151K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $64K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 99 | $123K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $106K |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 276 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.