| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 540 FORT EVANS RD. NE, STE. 301 LEESBURG, VA 20176 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $83K | $83K | 5.00% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MD 21152 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $33K | $33K | 2.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF MARYLAND | 1800 W. GRACE ST. P.O. BOX 5407 RICHMOND, VA 23220 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $49K | $9K | $58K | 21.06% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 15400 28TH AVE. NORTH SUITE 200 PLYMOUTH, MN 55447 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 3.94% |
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 | 299 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 296 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $276K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $276K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $276K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $276K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $276K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $276K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.