| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ISI OF MARYLAND LLC3 | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | AETNA HEALTH INC. | $55K | — | $55K | 5.23% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE., STE. 130 CENTREFILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $2K | $12K | 14.62% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE., STE. 130 CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 14.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE., STE. 130 CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $1K | $6K | 14.65% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE., STE. 130 CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $596 | $2K | 7.30% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 118 EDENDERRY AVENUE CENTERVILLE, MD 21617 | VISION SERVICE PLAN | $872 | — | $872 | 5.33% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE., STE. 130 CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $324 | $2K | 17.27% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 170 JENNIFER RD., STE 130 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVENUE CENTERVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $808 | $101 | $909 | 13.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE., STE. 130 CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19 | $4 | $23 | 14.37% |
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 | 200 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC. | 196 | $1.1M |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 121 | $33K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $79K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 128 | $39K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $40K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 2 | $16K |
| Other(7 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 200 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.