| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 7.40% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL, LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 22.09% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL, LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.07% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $349 | $2K | 18.96% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $496 | $2K | 20.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP CENTRAL LLC | 3000 WESLAYAN ST., STE. 390 HOUSTON, TX 77027 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $393 | $1K | 20.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ULTRABENEFITS INC. EIN 04-3525752 CONTRACT ADMIN | Claims processing; Contract Administrator Service code 12 | — | $41K |
| HILB GROUP - CLARUS & CO. EIN 83-4076772 BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $35K |
| HILB GROUP - CLARK & LAVEY EIN 47-4324398 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $31K |
| FIRST HEALTH EIN 20-1736437 PPO NETWORK | Contract Administrator; Claims processing Service code 12 | — | $6K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 CASE MANAGEMENT | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $6K |
| ACCOLADE CONCIERGE | Claims processing Service code 12 | 660 W. GERMANTOWN PIKE PLYMOUTH, PA 19462 | $5K |
| TELEDOC EIN 20-1020949 TELEMEDICINE | Claims processing; Contract Administrator; Other services Service code 12 | — | $2K |
| THE PHIA GROUP EIN 04-3504115 FIDUCIARY | Claims processing; Named fiduciary Service code 12 | — | $1K |
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 | 136 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 176 | $60K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 176 | $60K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 53 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $28K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.