| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | AETNA HEALTH INC. | $61K | — | $61K | 5.72% |
| 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 | $7K | — | $7K | 12.00% |
| 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 | $4K | — | $4K | 12.00% |
| 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 | $4K | — | $4K | 12.00% |
| 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 | $838 | — | $838 | 5.00% |
| 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 | 18.81% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | VISION SERVICE PLAN | $664 | — | $664 | 5.30% |
| 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 | — | $2K | 15.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE. CENTREVILLE, MD 21617 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $958 | — | $958 | 12.00% |
| 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 | $1K | — | $1K | 20.00% |
| 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 | $15 | — | $15 | 12.10% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA HEALTH INC. | 121 | $1.1M |
| Vision(2 contracts, 2 carriers) | UNIVERSITY HEALTH ALLIANCE | 70 | $32K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $62K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 129 | $31K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $32K |
| Prescription drug | UNIVERSITY HEALTH ALLIANCE | 2 | $19K |
| Other(7 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 203 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.