| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP, INC. | 4069 CHAIN BRIDGE RD TOP FLOOR FAIRFAX, VA 22030 | AETNA HEALTH, INC. | $15K | — | $15K | 3.82% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DRIVE, SUITE 400 BERTHESDA, MD 20817 | AETNA HEALTH, INC. | $1K | — | $1K | 0.34% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP, INC. | 4069 CHAIN BRIDGE RD TOP FLOOR FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $9K | 10.45% |
| KEVIN F FITZPATRICK3 Filed as: KEVIN FITZPATRICK | 6720B ROCKLEDGE DRIVE, SUITE 400 BERTHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $386 | — | $386 | 1.63% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP, INC. | 4069 CHAIN BRIDGE RD TOP FLOOR FAIRFAX, VA 22030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $666 | $3K | 11.38% |
| KEVIN F FITZPATRICK3 Filed as: KEVIN FITZPATRICK | 6720B ROCKLEDGE DRIVE, SUITE 400 BERTHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $361 | — | $361 | 1.64% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP, INC. | 4069 CHAIN BRIDGE RD TOP FLOOR FAIRFAX, VA 22030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $946 | $343 | $1K | 11.39% |
| KEVIN F FITZPATRICK3 Filed as: KEVIN FITZPATRICK | 6720B ROCKLEDGE DRIVE, SUITE 400 BERTHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $185 | — | $185 | 1.63% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $82K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $82K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $11K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $22K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $24K |
| Other | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.