| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE., STE. 301 LEESBURG, VA 20176 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | $40K | — | $40K | 1.37% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 204 CATOCTIN CIRCLE SE, 2ND FL. LEESBURG, VA 20175 | HARTFORD LIFE AND ACCIDENT | $109K | — | $109K | 15.79% |
| ERIK MAYER BRONSTEIN3 | 301 MCCLENAGHAN MILL RD. WYNNEWOOD, PA 18084 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $33K | $33K | 5.01% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER BENEFITS GENERAL AGENCY | 400 BERWYN PARK, STE. 200 BERWYN, PA 18122 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 1.75% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | UNITED HEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 0.82% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND | 1800 WEST GRACE ST. PO BOX 5407 RICHMOND, VA 23220 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $9K | $28K | 8.14% |
| VIRGINIA AUTOMOBILE DEALERS SVCS.3 | 1800 WEST GRACE STREET RICHMOND, VA 23220 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $16K | — | $16K | 36.14% |
| BRADLEY W GRAMM3 | 100 EASTSHORE DR., STE. 300 GLEN ALLEN, VA 23059 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $743 | — | $743 | 1.69% |
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 | 950 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES | 677 | $3.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 532 | $343K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 532 | $343K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 950 | $732K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 950 | $688K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 950 | $688K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,678 | $700K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,678 | — |
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.