| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST. GREER, SC 29652 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $73K | $73K | 5.16% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF SOUTH CAROLINA | 218 TRADE ST. GREER, SC 29652 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 10.21% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST. NW, STE. 302 WINSTON-SALEM, NC 27101 | HUMANA INSURANCE COMPANY | — | $6K | $6K | 5.54% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST. NW, STE. 302 WINSTON-SALEM, NC 27101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 15.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 55 E. JACKSON BLVD., FL. 14 CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24 | — | $24 | 0.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NORTH CAROLINA | 530 TRADE ST. NW, STE. 302 WINSTON-SALEM, NC 27101 | COMMUNITY EYE CARE | $3K | — | $3K | 10.00% |
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 | 405 | 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) | 406 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $1.4M |
| Dental | HUMANA INSURANCE COMPANY | 405 | $113K |
| Vision | COMMUNITY EYE CARE | 336 | $26K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 405 | $171K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 298 | $58K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $1.4M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 298 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.