| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $5K | $21K | 15.94% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $4K | $10K | 9.51% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $2K | $18K | 26.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $530 | $2K | 19.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 THIRD PARTY ADMIN | Contract Administrator; Claims processing Service code 12 | — | $195K |
| HILB GROUP OF MARYLAND EIN 80-0887008 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $145K |
| UNITED CONCORDIA COMPANIES, INC. EIN 25-1687586 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $35K |
| NATIONAL VISION ADMINISTRATORS EIN 74-3033381 THIRD PARTY ADMIN | Contract Administrator Service code 13 | — | $3K |
| HEALTHSPARQ EIN 35-2486216 TELEHEALTH | Contract Administrator; Claims processing Service code 12 | — | $2K |
| CONIFER VALUE-BASED CARE EIN 52-1964905 UTILIZATION MANAGEMENT | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $1K |
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 | 532 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 532 | $198K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 532 | $101K |
| Stop-loss / reinsurancereinsurance | SYMETRA FINANCIAL | 374 | $260K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 532 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.