Form 5500 · Employee benefit plan · CHESTERTOWN, MD
BW HEALTH GROUP,LLC
BW HEALTH GROUP,LLC of CHESTERTOWN, MD insures dental, vision, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is THE HILB GROUP OF MARYLAND, LLC. Coverage is written through HM LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in June.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-1059587 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 8 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with HM LIFE INSURANCE COMPANY, covers 62 people.
The only insured piece of the health benefit is stop-loss coverage — the plan itself is self-funded, so premium and commission here reflect the stop-loss contract, not medical premium.
Reported premium across the insured contracts is $464,107, with $11,345 in disclosed broker commissions — about 2.4% of premium.
The most recent policy period ended in June, and the plan year ends June 30. Group contracts typically renew on that annual cycle.
THE HILB GROUP OF MARYLAND, LLC is the broker of record on 5 of the 8 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental | 57 | June | $48,192 | $3,407 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 66 | June | $24,878 | $2,985 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Disability | 66 | June | $17,843 | $2,141 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | Life | 66 | June | $12,209 | $1,465 |
| UNITED OF OMAHA LIFE INSURANCE COMPANY | — | 19 | June | $5,857 | $703 |
| TRANSAMERICA LIFE INSURANCE COMPANY | — | 6 | June | $1,366 | $390 |
| SUPERIOR VISION PLAN | Vision | 95 | June | $5,079 | $254 |
| HM LIFE INSURANCE COMPANY | Stop-loss | 62 | June | $348,683 | $0 |
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