| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP, LLC | 18700 N. HAYDEN RD., STE. 405 SCOTTSDALE, AZ 85255 | PAN-AMERICAN LIFE INSURANCE COMPANY | $16K | — | $16K | 7.55% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | DELTA DENTAL OF VIRGINIA | $5K | — | $5K | 6.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 3601 MACCORKLE AVE., STE. 50 CHARLESTON, WV 25304 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $662 | $4K | 18.12% |
| 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 | $981 | $4K | 18.34% |
| 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 | $981 | $3K | 14.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 540 FORT EVANS RD. NE., STE. 301 LEESBURG, VA 20176 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.78% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | VISION SERVICE PLAN | $840 | — | $840 | 6.59% |
| 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 | $993 | $488 | $1K | 14.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STEALTH PARTNERS GROUP EIN 27-0290866 STOP LOSS | Contract Administrator Service code 13 | — | $245K |
| SISCO EIN 42-1144827 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | — | $59K |
| CIGNA EIN 84-0467907 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $18K |
| TELADOC HEALTH EIN 04-3750597 TELEMEDICINE | Contract Administrator; Claims processing Service code 12 | — | $3K |
| AMWINS CONNECT ADMINISTRATORS, INC. EIN 52-1200892 THIRD PARTY ADMINISTRATO | Contract Administrator; Claims processing Service code 12 | — | $435 |
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 | 111 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF VIRGINIA | 231 | $74K |
| Vision | VISION SERVICE PLAN | 103 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $21K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $21K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 105 | $215K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.