| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | UNITEDHEALTHCARE INSURANCE COMPANY | $52K | — | $52K | 5.40% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVE., STE. 400 TOWSON, MD 21286 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 1.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $6K | $20K | 14.61% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN. SVCS. | 501 FAIRMOUNT AVE., STE. 400 TOWSON, MD 21286 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.06% |
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 | 147 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 62 | $961K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $138K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 62 | $961K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $138K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $138K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 266 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.