| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TORIAN INSURANCE BENEFITS INC3 | 3000 DIVISION STREET EVANSVILLE, IN 47711 | ANTHEM INSURANCE COMPANIES, INC | $3K | — | $3K | 2.14% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 170 JENNIFER ROAD SUITE 130 ANNAPOLIS, MD 21401 | RELIANCE STANDARD | $12K | $6K | $18K | 12.59% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 30 MILL STREET UNIONVILLE, CT 06085 | RELIANCE STANDARD | — | $3K | $3K | 2.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC DBA | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD | — | — | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | 3601 MACCORKLE AVE SE STE 50 CHARLESTON, WV 25304 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.01% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS GENERA | 2000 CHAPEL VIEW BLVD STE 240 CRANSTON, RI 02920 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.01% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OPERATING COMPANY | 6802 PARAGON PL STE 200 RICHMOND, VA 23230 | PRINCIPAL LIFE INSURANCE COMPANY | — | $629 | $629 | 0.49% |
| 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 | $10K | $5K | $15K | 11.79% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND, LLC | 30 MILL STREET UNIONVILLE, CT 06085 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 2.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND, LLC DBA | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF WEST VIRGINIA LLC | 3601 MACCORKLE AVE SE CHARLESTON, WV 25304 | HARTFORD LIFE AND ACCIDENT | $649 | $112 | $761 | 17.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD EIN 55-0624615 | Claims processing Service code 12 | FIFTH AVENUE PLACE SUITE 1033 TEAM 1866 PITTSBURGH, PA 15222 | $101K |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM INSURANCE COMPANIES, INC | 14 | $153K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $129K |
| Vision(2 contracts, 2 carriers) | ANTHEM INSURANCE COMPANIES, INC | 269 | $282K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 373 | $124K |
| Long-term disability | RELIANCE STANDARD | 386 | $140K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 373 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.