| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REILLY BENEFITS, INC3 Filed as: REILLY BENEFITS, INC. | 5419 DEALE CHURCHTON ROAD SUITE 106 CHURCHTON, MD 20733 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $51K | $51K | 4.13% |
| REILLY BENEFITS, INC3 Filed as: REILLY BENEFITS, INC. | 5419 DEALE CHURCHTON ROAD SUITE 106 CHURCHTON, MD 20733 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 9.67% |
| REILLY BENEFITS, INC3 Filed as: REILLY BENEFITS, INC. | 5419 DEALE CHURCHTON ROAD SUITE 106 CHURCHTON, MD 20733 | ADVANTICA REINSURANCE COMPANY | $2K | — | $2K | 8.11% |
| REILLY BENEFITS, INC3 Filed as: REILLY BENEFITS INC | 5419 DEALE CHURCHTON ROAD SUITE 106 CHURCHTON, MD 20733 | HYATT LEGAL PLANS | $547 | — | $547 | 17.14% |
| RWA INSURANCE3 Filed as: RWA INSURANCE INC | 22934 THREE NOTCH ROAD UNIT B CALIFORNIA, MD 20619 | HYATT LEGAL PLANS | $50 | — | $50 | 1.57% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 131 | $1.2M |
| Vision | ADVANTICA REINSURANCE COMPANY | 374 | $27K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $154K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $154K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $154K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 329 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.