| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 204 CATOCTIN CIRCLE SE, 2ND FL. LEESBURG, VA 20175 | HARTFORD LIFE AND ACCIDENT | $114K | — | $114K | 15.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $66K | $8K | $74K | 61.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47K | $5K | $52K | 70.94% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | AMERITAS LIFE INSURANCE CORP. | $6K | $413 | $6K | 9.85% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | PO BOX 5407 RICHMOND, VA 23220 | AMERITAS LIFE INSURANCE CORP. | $508 | $287 | $795 | 1.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE HILB GROUP OF MARYLAND BROKER | Insurance agents and brokers Service code 22 | 204 CATOCTIN CIRCLE SE 2ND FLOOR LEESBURG, VA 20175 | $123K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 DENTAL TPA | Contract Administrator; Claims processing Service code 12 | — | $42K |
| WELLNET HEALTHCARE MEDICAL TPA | Contract Administrator; Claims processing Service code 12 | 900 NORTHBROOK DR. SUITE 310 FEASTERVILLE-TREVOSE, PA 19053 | $27K |
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 | 938 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,183 | $63K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 938 | $756K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 938 | $756K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 938 | $756K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 938 | $951K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,183 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.