| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $9K | $28K | 16.10% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | TRANSAMERICA LIFE INSURANCE COMPANY | $272 | — | $272 | 6.21% |
| LILLIAN A NASH3 | 10718 TRAFTON DR. UPPER MARLBORO, MD 20774 | TRANSAMERICA LIFE INSURANCE COMPANY | $102 | — | $102 | 2.33% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA M PINCUS-SOKOLOFF | 1474 STEVENSON ST. BALTIMORE, MD 212305109 | TRANSAMERICA LIFE INSURANCE COMPANY | $41 | — | $41 | 0.94% |
| SABRINA W BUSH3 | 4101 TURF RUN CIR. RANDALLSTOWN, MD 21133 | TRANSAMERICA LIFE INSURANCE COMPANY | $20 | — | $20 | 0.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HILB GROUP OF MARYLAND BROKER | Insurance agents and brokers Service code 22 | 170 JENNIFER RD., STE. 130 ANNAPOLIS, MD 21401 | $52K |
| LUCENT HEALTH SOLUTIONS LLC EIN 39-1997579 TPA | Other services Service code 49 | — | $43K |
| CONNECTICUT GENERAL EIN 60-0303370 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 13 | — | $28K |
| TELADOC INC EIN 04-3705970 TELEHEALTH | Other services Service code 49 | — | $3K |
| CAREOPERATIVE LLC EIN 46-4399706 TPA | Other services Service code 49 | — | $947 |
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 | 290 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 292 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $175K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $175K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $180K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $175K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 145 | $345K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 290 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 290 | — |
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."
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.