| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | $2K | $17K | 11.20% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 0.80% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $1K | $13K | 11.23% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $977 | $977 | 0.82% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | $1K | $11K | 11.13% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $734 | $734 | 0.76% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | EYEMED VISION CARE | $3K | — | $3K | 10.78% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAREFIRST ADMINISTRATORS EIN 52-1358219 MEDICAL TPA | Claims processing Service code 12 | — | $170K |
| SYMETRA FINANCIAL EIN 91-0742147 REINSURANCE CARRIER | Claims processing Service code 12 | — | $137K |
| HILB GROUP OF MARYLAND EIN 80-0887008 BROKER | Insurance agents and brokers Service code 22 | — | $134K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $49K |
| GROUP HOSPITALIZATION MEDICAL SVCS. EIN 53-0078070 DENTAL TPA | Claims processing Service code 12 | — | $18K |
| CONNECTCARE3, LLC EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $14K |
| MDLIVE INC EIN 45-4937055 TELEHEALTH | Claims processing; Contract Administrator; Other services Service code 12 | — | $3K |
| CONIFER VALUE-BASED CARE EIN 52-1964905 UTILIZATION MGMT | Claims processing Service code 12 | — | $3K |
| HEALTHSPARQ EIN 35-2486216 TELEHEALTH | Contract Administrator; Claims processing; Other services Service code 12 | — | $913 |
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 | 388 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 578 | $29K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 388 | $150K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $119K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 366 | $97K |
| Stop-loss / reinsurancereinsurance(3 contracts, 3 carriers) | HM LIFE INSURANCE COMPANY | 316 | $944K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 388 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.