| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA BOSTON, MA 02241 | AETNA LIFE INSURANCE COMPANY | $0 | $49K | $49K | 1.71% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 11311 MCCORMICK ROAD HUNT VALLEY, MD 21031 | AETNA LIFE INSURANCE COMPANY | $0 | $45K | $45K | 1.58% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | AETNA LIFE INSURANCE COMPANY | $0 | $15K | $15K | 0.53% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $4K | $20K | 8.30% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.40% |
| AMWINS5 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD, SUITE 400 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.00% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS, INC. | 11350 MCCORMICK ROAD HUNT VALLEY, MD 21031 | UNITED CONCORDIA COMPANIES, INC. | $16K | $9K | $24K | 13.86% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | $4K | $0 | $4K | 10.19% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 401 | $2.9M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 403 | $177K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 367 | $40K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $238K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $238K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 401 | $2.9M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.