| 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 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | $21K | — | $21K | 5.55% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $110 | $2K | 7.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 204 CATOCTIN CIR. SE LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $898 | $3K | 14.28% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 204 CATOCTIN CIR. SE LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $654 | $2K | 14.28% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 204 CATOCTIN CIR. SE LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $991 | $428 | $1K | 14.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 204 CATOCTIN CIR. SE LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $858 | $473 | $1K | 15.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 118 EDENDERRY AVE. CENTREVILLE, MD 21617 | EYEMED VISION CARE | $325 | — | $325 | 7.69% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 204 CATOCTIN CIR. SE LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $248 | $117 | $365 | 14.72% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 204 CATOCTIN CIR. SE LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $104 | $65 | $169 | 16.27% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES, INC. | 52 | $378K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 75 | $28K |
| Vision | EYEMED VISION CARE | 70 | $4K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $15K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $21K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.