| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $39K | $43K | 2.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 4.89% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY INC. | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 2.17% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P. O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 1.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 4.83% |
| MADS INSURANCE AGENCY3 | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 3.45% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE CO. | P.O. BOX 25360 OKLAHOMA CITY, OK 731250360 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 2.32% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 13.96% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $2K | — | $2K | 5.39% |
| MADS INSURANCE AGENCY3 Filed as: MADS INSURANCE AGENCY INC | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $776 | — | $776 | 2.73% |
| ASSURANCE AGENCY LTD3 Filed as: AMERICAN FIDELITY ASSURANCE COMPANY | P.O. BOX 25360 OKLAHOMA CITY, OK 73125 | AMERICAN FIDELITY ASSURANCE COMPANY | $4K | — | $4K | 16.43% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | AMERICAN FIDELITY ASSURANCE COMPANY | $1K | — | $1K | 4.99% |
| MADS INSURANCE AGENCY3 Filed as: MADS INS AGCY INC | 7 STATE CIRCLE #301 ANNAPOLIS, MD 21401 | AMERICAN FIDELITY ASSURANCE COMPANY | $700 | — | $700 | 2.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD STE 500 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $385 | — | $385 | 3.71% |
| PSA INSURANCE & FINANCIAL PARTNERS3 | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITEDHEALTHCARE INSURANCE COMPANY | $289 | — | $289 | 2.79% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $1.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $1.7M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 213 | $10K |
| Short-term disability(3 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 33 | $123K |
| Long-term disability(4 contracts) | AMERICAN FIDELITY ASSURANCE COMPANY | 33 | $170K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 131 | $1.7M |
| Other(5 contracts, 2 carriers) | AMERICAN FIDELITY ASSURANCE COMPANY | 213 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.