| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEBEN INC3 Filed as: STRATEBEN INC. | 3 BETHESDA METRO CTR, SUITE 700 BETHESDA, MD 20814 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | — | $34K | 10.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STRATEBEN EIN 20-1643248 BROKER | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | — | $77K |
| INTEGRA EMPLOYER HEALTH LLC EIN 56-1392505 CLAIMS ADMINISTRATOR | Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $48K |
| CIGNA EIN 20-2149357 PPO PROVIDER | Other fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $25K |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $337K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $337K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $337K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $337K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $337K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 239 | $422K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 315 | $337K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.