| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CFA LLC3 | 1501 S CLINTON ST BALTIMORE, MD 21224 | SYMETRA LIFE INSURANCE COMPANY | — | $49K | $49K | 4.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | SYMETRA LIFE INSURANCE COMPANY | — | $44K | $44K | 3.65% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ UNIONDALE, NY 11556 | SYMETRA LIFE INSURANCE COMPANY | — | $9K | $9K | 0.72% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | CAREFIRST OF MARYLAND, INC. | $15K | $2K | $18K | 4.14% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | — | $23K | 12.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $20K | — | $20K | 12.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | — | $19K | 12.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SYMETRA FINANCIAL EIN 91-0742147 REINSURANCE CARRIER | Other services Service code 49 | — | $1.2M |
| CAREFIRST EIN 52-1187907 ADMIN | Claims processing Service code 12 | — | $236K |
| HILB GROUP OF MARYLAND BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | $164K |
| MDLIVE EIN 45-4937055 TELEHEALTH | Contract Administrator; Claims processing; Other services Service code 12 | — | $4K |
| HEALTHSPARQ EIN 35-2486216 TELEHEALTH | Other services; Contract Administrator; Claims processing Service code 12 | — | $2K |
| CONIFER VALUE-BASED CARE EIN 91-0742147 UTILIZATION MGMT | Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing Service code 12 | — | $2K |
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 | 757 | 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) | 758 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CAREFIRST OF MARYLAND, INC. | 1,251 | $423K |
| Vision | CAREFIRST OF MARYLAND, INC. | 1,251 | $423K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 757 | $198K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 446 | $194K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 412 | $161K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 519 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 757 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,251 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.