| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $27K | $27K | 2.30% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 12.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 9.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | AFLAC | $3K | — | $3K | 7.43% |
| MICHAEL BENDER3 | 1801 RESEARCH BLVD., STE. 400 ROCKVILLE, MD 20850 | AFLAC | $2K | — | $2K | 5.60% |
| ANASTASIA BARANOV3 | 1905 CARTER MILL WAY BROOKEVILLE, MD 20833 | AFLAC | $357 | — | $357 | 1.04% |
| DAVID SCHENKEL JR3 | 4000 BLACKBURN LN., STE. 260 BURTONSVILLE, MD 20866 | AFLAC | $182 | — | $182 | 0.53% |
| VICTORIA SHAFER3 | 1022 STONEBROOK RD., UNIT B SKYESVILLE, MD 21784 | AFLAC | $62 | — | $62 | 0.18% |
| LAURA GRAVES3 | 4613 VALLEY FORGE DR. ROCKVILLE, MD 20853 | AFLAC | $43 | — | $43 | 0.13% |
| KIMBERLY L LUSHBAUGH3 Filed as: KIMBERLY LUSHBAUGH | 14 CATAWBA CIR. HAGERSTOWN, MD 21742 | AFLAC | $14 | — | $14 | 0.04% |
| MARK JOHNSTON3 | 79 STAYMAN DR. FALLING WATERS, WV 25419 | AFLAC | $12 | — | $12 | 0.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | FIRST STOP HEALTH, LLC | $1K | — | $1K | 10.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $995 | — | $995 | 11.88% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $880 | — | $880 | 12.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 11311 MCCORMICK RD., STE. 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $868 | — | $868 | 12.00% |
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 | 116 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $74K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 178 | $8K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $16K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 39 | $74K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $100K |
| Other(4 contracts, 3 carriers) | AFLAC | 116 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.