| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEBEN INC3 Filed as: STRATEBEN, INC LLC | 3 BETHESDA METRO CENTER S STE 700 BETHESDA, MD 20814 | CIGNA GROUP INSURANCE | $4K | $0 | $4K | 15.00% |
| STATEBEN, INC LLC3 | 3 BETHESDA METRO CENTER S STE 700 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| STATEBEN, INC LLC3 | 3 BETHESDA METRO CENTER S STE 700 BETHESDA, MD 20814 | CIGNA GROUP INSURANCE | $3K | $0 | $3K | 15.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $509 | $140 | $649 | 3.74% |
| STRATEBEN INC3 | 3 BETHESDA METRO CTR STE 700 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.74% |
| SRTRATEBEN, INC. LLC3 | 3 BETHESDA METRO CTR S STE 700 BETHESDA, MD 20814 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 15.00% |
| STRATEBEN INC3 | 3 BETHESDA METRO CTR STE 700 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $986 | $0 | $986 | 14.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS EIN 23-2184623 ADMIN | Claims processing Service code 12 | — | $74K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $37K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $13K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CARRIER | Claims processing Service code 12 | — | $13K |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 185 | $17K |
| Life insurance | CIGNA GROUP INSURANCE | 0 | $27K |
| Short-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $19K |
| Long-term disability | CIGNA GROUP INSURANCE | 0 | $18K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 201 | $523K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.