| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $47K | $0 | $47K | 8.12% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 9.50% |
| JAMES MOORADIAN3 | 277 DARTMOUTH STREET, 4TH FLOOR BOSTON, MA 02116 | METROPOLITAN LIFE INSURANCE COMPANY | $56 | $0 | $56 | 0.04% |
| BRYAN LAMBERT3 | 783 WEBSTER STREET NEEDHAM, MA 02492 | METROPOLITAN LIFE INSURANCE COMPANY | $22 | $0 | $22 | 0.01% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | UNITED CONCORDIA INSURANCE COMPANY | $8K | $0 | $8K | 9.22% |
| THE BUSINESS BENEFITS GROUP, INC.3 | 4069 CHAIN BRIDGE ROAD, TOP FLOOR FAIRFAX, VA 22030 | LEGAL RESOURCES | $776 | $0 | $776 | 5.76% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $583K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 296 | $88K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 470 | $156K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 470 | $156K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 470 | $156K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 470 | $156K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $583K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 470 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 470 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.