| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE. CENTERVILLE, MD 21617 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 12.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE. CENTERVILLE, MD 21617 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 12.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE. CENTERVILLE, MD 21617 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 12.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 118 EDENDERRY AVE. CENTERVILLE, MD 21617 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST EIN 52-1358219 ADMIN | Claims processing Service code 12 | — | $131K |
| ISI OF MARYLAND, LLC BROKER | Insurance agents and brokers Service code 22 | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | $87K |
| THE HILB GROUP OF MARYLAND EIN 35-2486216 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 130 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | $87K |
| THE BENECON GROUP LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $50K |
| CAREFIRST ADMINISTRATORS EIN 52-1187907 ADMIN | Claims processing Service code 12 | — | $41K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $17K |
| CONIFER VALUE-BASED CARE EIN 52-1964905 HEALTH DATA WAREHOUSE | Other services Service code 49 | — | $2K |
| HEALTHSPARQ EIN 35-2486216 TELEHEALTH | Other services Service code 49 | — | $1K |
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 | 423 | 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) | 424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $95K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 288 | $107K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 250 | $84K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 267 | $709K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 423 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.