| 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 | $0 | $619 | $619 | 0.25% |
| SOMERSET BENEFITS LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $0 | $17K | 9.09% |
| HEALTHFIRST BENEFITS INC3 | 920 CASSATT RD STE 202 BERWYN, PA 193121178 | METROPOLITAN LIFE INSURANCE COMPANY | $361 | $0 | $361 | 1.76% |
| HEALTHFIRST BENEFITS INC3 | 920 CASSATT RD STE 202 BERWYN, PA 193121178 | METROPOLITAN LIFE INSURANCE COMPANY | $317 | $0 | $317 | 1.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHFIRST NONE | Insurance agents and brokers; Consulting fees Service code 22 | TWO VILLANOVA CENTER 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | $111K |
| INTEGRA DBA MAESTRO HEALTH EIN 56-1392505 NONE | Claims processing; Contract Administrator Service code 12 | — | $40K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Claims processing Service code 12 | — | $29K |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 156 | $284K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $191K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $191K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $191K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $191K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $191K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 156 | $245K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 328 | $230K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.