| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEBEN INC3 | 3 BETHESDA METRO CTR FL 7 PMB 700 BETHESDA, MD 20814 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 7.85% |
| STRATEBEN INC3 | 3 BETHESDA METRO CTR FL 7 PMB 700 BETHESDA, MD 20814 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| STRATEBEN INC3 | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $7K | — | $7K | 16.20% |
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER SUITE 700 BETHESDA, MD 20814 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.88% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAPITAL ADVANTAGE ASSURANCE COMPANY | 18 | $44K |
| Dental | STANDARD INSURANCE COMPANY | 194 | $81K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 160 | $21K |
| Life insurance | STANDARD INSURANCE COMPANY | 212 | $148K |
| Short-term disability | STANDARD INSURANCE COMPANY | 212 | $148K |
| Long-term disability | STANDARD INSURANCE COMPANY | 212 | $148K |
| Stop-loss / reinsurancereinsurance | MARKEL | 186 | $483K |
| Other | STANDARD INSURANCE COMPANY | 212 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.