| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 130 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE | — | — | $0 | 0.00% |
| TORIAN INSURANCE BENEFITS INC3 | 3000 DIVISION STREET EVANSVILLE, IN 47711 | ANTHEM INSURANCE COMPANIES, INC (G2001) | — | — | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OPERATING COMPANY | 6802 PARAGON PLACE SUITE 200 RICHMOND, VA 25230 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $645 | $645 | 0.51% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | 3601 MACCORKLE AVENUE SE CHARLESTON, WV 25304 | THE HARTFORD | $652 | $652 | $1K | 29.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD WES EIN 55-0624615 | Claims processing Service code 12 | SUITE 1033 TEAM 1866 FIFTH AVENUE PLACE PITTSBURGH, PA 15222 | $87K |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC (G2001) | 14 | $141K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 276 | $126K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC (G2001) | 276 | $266K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $127K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE | 260 | $143K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 244 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.