| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE BENEFITS ADVISORS | 1901 ROXBOROUGH RD., STE. 300 CHARLOTTE, NC 28211 | UNITED HEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 34.43% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF VIRGINIA LLC | 236 W MAIN STREET ABINGDON, VA 24210 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (SE) INC | 1901 ROXBOROUGH RD., STE. 300 CHARLOTTE, NC 28211 | ANTHEM LIFE INSURANCE COMPANY | $5K | — | $5K | 11.57% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 540 FOR EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | ANTHEM LIFE INSURANCE COMPANY | $2K | — | $2K | 3.81% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF VIRGINIA LLC | 263 W MAIN STREET ABINGDON, VA 24210 | UNITEDHEALTHCARE INSURANCE COMPANY | $763 | — | $763 | 2.65% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $155K |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 400 | $29K |
| Life insurance(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 347 | $92K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 347 | $41K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 292 | $699K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 347 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.