| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCE | 4851 LBJ FRWY STE 100 DALLAS, TX 75244 | SYMETRA LIFE INSURANCE COMPANY | $0 | $89K | $89K | 4.55% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD LLC | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $135K | $0 | $135K | 22.75% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $12K | $0 | $12K | 2.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $0 | $12K | $12K | 2.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD LLC | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $55K | $0 | $55K | 17.00% |
| BENEFIT ADVISORS SVCS GRP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $6K | $0 | $6K | 2.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $0 | $6K | $6K | 2.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD LLC | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | VISION SERVICE PLAN | $8K | $35K | $43K | 34.56% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD LLC | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 21031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 19.52% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD, LLC | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 21031 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $232 | $0 | $232 | 5.60% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MD, LLC | 11311 MCCORMICK RD, SUITE 500 HUNT VALLEY, MD 210318622 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $587 | $0 | $587 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CLAIMS PROCESSOR | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $1.7M |
| CIGNA DENTAL EIN 59-1031071 CONTRACT ADMINISTRATOR | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $113K |
| VISION SERVICE PLAN EIN 23-7089668 CONTRACT ADMINISTRATOR | Float revenue; Participant communication; Direct payment from the plan; Other services; Named fiduciary; Contract Administrator; Claims processing; Non-monetary compensation Service code 12 | — | $35K |
| CLIFTONLARSONALLENLLP EIN 41-0746749 ACCOUNTANT | Accounting (including auditing) Service code 10 | 1966 GREENSPRING DR TIMONIUM, MD 21093 | $32K |
| BOLTON PARTNERS INC EIN 52-1231144 ACTUARY | Actuarial Service code 11 | — | $31K |
| WEX, INC. EIN 01-0526993 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $25K |
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 | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 88 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 965 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $30K |
| Vision | VISION SERVICE PLAN | 845 | $125K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 868 | $592K |
| Long-term disability(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 773 | $347K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 859 | $2.0M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 868 | $622K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 868 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.