| 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 20175 | HARTFORD LIFE AND ACCIDENT | $131K | $4K | $135K | 15.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $105K | $5K | $111K | 72.97% |
| MATTHEW G BERGER3 Filed as: MATTHEW VAHUE | — | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $54 | — | $54 | 0.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD., STE. 301 LEESBURG, VA 20176 | AMERITAS LIFE INSURANCE CORP. | $7K | — | $7K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELLNET HEALTHCARE MEDICAL TPA | Claims processing; Contract Administrator Service code 12 | 900 NORTHBROOK DR., STE. 310 FEASTERVILLE-TREVOSE, PA 19053 | $526K |
| DELTA DENTAL OF VIRGINIA EIN 54-0844477 DENTAL TPA | Claims processing; Contract Administrator Service code 12 | — | $43K |
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 | 985 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 991 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | AMERITAS LIFE INSURANCE CORP. | 1,249 | $67K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 985 | $858K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 985 | $858K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 985 | $858K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 985 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,249 | — |
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.