| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | DBA INTEGRUM ADVISORS, 1800 W GRACE ST RICHMOND, VA 23220 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $30K | $0 | $30K | 18.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND LLC | DBA INTEGRUM ADVISORS, 540 FORT EVANS RD, STE 301 LEESBURG, VA 201763379 | AMERITAS LIFE INSURANCE CORP. | $11K | $615 | $11K | 10.57% |
| DBA RALEY WATTS ONEIL3 | 22934 THREE NOTCH RD, STE B CALIFORNIA, MD 20619 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.68% |
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 | 532 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 532 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 532 | $108K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 532 | $108K |
| Life insurance(2 contracts) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 179 | $201K |
| Short-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 179 | $161K |
| Long-term disability | BOSTON MUTUAL LIFE INSURANCE COMPANY | 179 | $161K |
| Other(2 contracts) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 179 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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."
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.