| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANCED BENEFIT STRATEGIES INC3 Filed as: ADVANCED BENEFIT STRATEGIES | 1593 SPRING HILL ROAD SUITE 155E VIENNA, VA 22182 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $82K | $82K | 4.97% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 301 INTERNATIONAL CIRCLE HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $33K | $33K | 2.00% |
| KELLY & ASSOCIATES INSURANCE GROUP5 Filed as: KELLY & ASSOCIATES INSURANCE GRP IN | 1 KELLY WAY SUITE 155E SPARKS, MD 211529484 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $7K | $11K | 7.32% |
| ADVANCED BENEFIT STRATEGIES INC3 Filed as: ADVANCED BENEFIT STRATEGIES INC. | 1593 SPRING HILL ROAD SUITE 155E VIENNA, VA 221822245 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.66% |
| ADVANCED BENEFIT STRATEGIES INC3 Filed as: ADVANCED BENEFIT STRATEGIES INC. | 1593 SPRING HILL ROAD SUITE 155E VIENNA, VA 221822245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.92% |
| ADVANCED BENEFIT STRATEGIES INC3 Filed as: ADVANCED BENEFIT STRATEGIES INC. | 1593 SPRING HILL ROAD SUITE 155E VIENNA, VA 221822245 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.11% |
| ADVANCED BENEFIT STRATEGIES INC3 Filed as: ADVANCED BENEFIT STRATEGIES INC. | 1593 SPRING HILL ROAD SUITE 155E VIENNA, VA 221822245 | VISION SERVICE PLAN | $2K | — | $2K | 3.62% |
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 | 112 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 115 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $144K |
| Vision | VISION SERVICE PLAN | 114 | $45K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 292 | $233K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $49K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 115 | $1.7M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 292 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.