| 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 | HM LIFE INSURANCE COMPANY | $93K | — | $93K | 15.03% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N. PIMA RD., STE. 301 SCOTTSDALE, AZ 852556343 | HM LIFE INSURANCE COMPANY | $34 | — | $34 | 0.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | SYMETRA LIFE INSURANCE COMPANY | $65K | $33K | $98K | 16.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | KASIER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $37K | — | $37K | 9.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1187907 THIRD PARTY ADMINISTRATO | Claims processing; Other services; Contract Administrator Service code 12 | — | $425K |
| HILB GROUP OF MARYLAND EIN 80-0887008 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | $165K |
| VISION SERVICE PLAN EIN 23-7089668 THIRD PARTY ADMINISTRATO | Contract Administrator; Insurance services; Claims processing Service code 12 | — | $34K |
| HEALTHSPARQ EIN 35-2486216 TELEHEALTH | Other services Service code 49 | — | $6K |
| CONIFER VALUED-BASED CARE EIN 52-1964905 UTILIZATION MANAGEMENT | Other services Service code 49 | — | $3K |
| DENTEMAX EIN 38-2612298 THIRD PARTY ADMINISTRATO | Other services Service code 49 | — | -$3 |
| STEALTH PARTNER GROUP EIN 27-0290866 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | — | -$90 |
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 | 1,070 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,089 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KASIER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 42 | $399K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,070 | $601K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1,070 | $601K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 787 | $621K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 1,070 | $601K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,070 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.