| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK RD SUITE 500 HUNT VALLEY, MD 21031 | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | — | $1K | $1K | 0.56% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 14.04% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD STE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.86% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 18.87% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.99% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND DBA PSA | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | BANKERS FIDELITY LIFE INSURANCE COMPANY | $5K | — | $5K | 14.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $901 | $5K | 21.25% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $806 | $4K | 21.02% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF MARYLAND LLC | 11311 MCCORMICK ROAD SUITE 500 HUNT VALLEY, MD 21031 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $591 | $4K | 23.79% |
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 | 841 | 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) | 843 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | LYTLE EAP PARTNERS | 854 | $15K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY & AFFILIATES | 439 | $229K |
| Vision | VISION SERVICE PLAN | 373 | $56K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 801 | $124K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 802 | $58K |
| Other(5 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 801 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 854 | — |
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.