| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $39K | $43K | 4.36% |
| PSA FINANCIAL, INC.3 Filed as: PSA INS & FINANCIAL PARTNERS LLC | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $30 | $30 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $17K | 13.24% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 3.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB OF MARYLAND, LLC | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | EYEMED VISION CARE | $926 | $0 | $926 | 8.34% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE AKA BENEFITMALL | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | EYEMED VISION CARE | $365 | $0 | $365 | 3.29% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $994K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $994K |
| Vision | EYEMED VISION CARE | 145 | $11K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $132K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $132K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 224 | $994K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 224 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.