| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 170 JENNIFER RD SUITE 130 ANNAPOLIS, MD 21401 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $874 | $4K | 8.81% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34 | $0 | $34 | 0.07% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 3601 MACCORKLE AVE SE STE 50 CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $859 | $4K | 15.45% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 3601 MACCORKLE AVE SE STE 50 CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $610 | $3K | 15.42% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 3601 MACCORKLE AVE SE STE 50 CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $417 | $2K | 15.41% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 3601 MACCORKLE AVE SE STE 50 CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $703 | $168 | $871 | 14.87% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD STE 301 LEESBURG, VA 20176 | SUPERIOR VISION PLAN | $254 | $0 | $254 | 5.00% |
| JAMES T KINNEY3 | 250 ALDRICH AVE WARWICK, RI 02889 | TRANSAMERICA LIFE INSURANCE COMPANY | $228 | $0 | $228 | 16.69% |
| ISI OF MARYLAND LLC3 | 170 JENNIFER ROAD STE 130 ANNAPOLIS, MD 21401 | TRANSAMERICA LIFE INSURANCE COMPANY | $162 | $0 | $162 | 11.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1358219 ADMIN | Claims processing Service code 12 | — | $33K |
| INSURANCE SOLUTIONS EIN 80-0887008 BROKER | Insurance agents and brokers Service code 22 | — | $24K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $22K |
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 | 57 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 66 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 57 | $48K |
| Vision | SUPERIOR VISION PLAN | 95 | $5K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $18K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 62 | $349K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.