| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20817 | HCC LIFE INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| CFA LLC3 Filed as: CFA, LLC | 1501 SOUTH CLINTON STREET 7TH FLOOR BALTIMORE, MD 21224 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 1.20% |
| CORPORATE COVERAGE LLC3 Filed as: CORPORATE COVERAGE | 16 GREEN MEADOW DRIVE #203 TIMONIUM, MD 21093 | DOMINION NATIONAL | $4K | — | $4K | 6.42% |
| CORPORATE COVERAGE LLC3 | 16 GREENMEADOW DRIVE SUITE 203 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $890 | $5K | 12.26% |
| CORPORATE COVERAGE LLC3 | 16 GREENMEADOW DRIVE SUITE 203 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $318 | $2K | 12.22% |
| CORPORATE COVERAGE LLC3 | 16 GREENMEADOW DRIVE SUITE 203 TIMONIUM, MD 21093 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $246 | $1K | 12.27% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DOMINION NATIONAL | 119 | $68K |
| Vision | DOMINION NATIONAL | 119 | $68K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $14K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $11K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $40K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 85 | $249K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 107 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.