| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | CAREFIRST BLUE CHOICE, INC. | $33K | $11K | $44K | 5.67% |
| MATHER & STROHL ADMINISTRATIVE SVCS5 | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | CAREFIRST BLUE CHOICE, INC. | $0 | $8K | $8K | 1.02% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 22934 THREE NOTCH RD., UNIT B CALIFORNIA, MD 20619 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 6.89% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 3.00% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES, INC | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | UNITED CONCORDIA INSURANCE COMPANY | $1K | $5K | $6K | 6.24% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND, LLC | 8720 STONY POINT PARKWAY, STE. 125 RICHMOND, VA 23235 | ADVANTICA INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| MATHER & STROHL ADMINISTRATIVE SVCS3 | 501 FAIRMOUNT AVE., STE. 400 TOWSON, MD 21286 | ADVANTICA INSURANCE COMPANY | $1K | — | $1K | 6.00% |
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 | 166 | 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) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUE CHOICE, INC. | 190 | $776K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 300 | $98K |
| Vision | ADVANTICA INSURANCE COMPANY | 259 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $181K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $181K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $181K |
| Prescription drug | CAREFIRST BLUE CHOICE, INC. | 190 | $776K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 166 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.