| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SPECIAL AGENTS MUTUAL BENEFIT ASSOC3 | 11301 OLD GEORGETOWN ROAD ROCKVILLE, MD 20852 | RELIASTAR LIFE INSURANCE COMPANY | — | $1.1M | $1.1M | 19.94% |
| SPECIAL AGENTS MUTUAL BENEFIT ASSOC3 | 11301 OLD GEORGETOWN ROAD ROCKVILLE, MD 20852 | RELIASTAR LIFE INSURANCE COMPANY | — | $916K | $916K | 20.00% |
| SPECIAL AGENTS MUTUAL BENEFIT ASSOC3 | 11301 OLD GEORGETOWN ROAD ROCKVILLE, MD 20852 | ARAG INSURANCE COMPANY | — | $16K | $16K | 24.55% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SAMBA BENEFIT PLAN EIN 52-1074154 EMPLOYEES | Direct payment from the plan; Employee (plan) Service code 30 | — | $2.2M |
| CHANGE HEALTHCARE EIN 20-5731067 NONE | Other services; Direct payment from the plan Service code 49 | — | $505K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $396K |
| PNC INSTITUTIONAL INVESTMENTS EIN 25-1211909 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $250K |
| COUNTERPOINT SOFTWARE, INC. EIN 51-0300805 NONE | Direct payment from the plan; Consulting (general); Other services Service code 16 | — | $184K |
| HBP, INC. EIN 04-3725251 NONE | Copying and duplicating; Direct payment from the plan; Other services Service code 36 | — | $119K |
| VW BROWN INSURANCE SERVICES LLC EIN 26-0274369 NONE | Insurance agents and brokers; Other commissions Service code 22 | — | $100K |
| CIGNA EIN 59-1031071 NONE | Contract Administrator; Direct payment from the plan Service code 13 | — | $95K |
| EYEMED VISION CARE EIN 86-0773195 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $94K |
| ERMER LAW GROUP, PLLC EIN 26-1616418 DAVID ERMER, SAMBA BOD | Legal; Direct payment from the plan Service code 29 | — | $74K |
| BOND BEEBE, P.C. EIN 52-1044197 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $60K |
| WILLIAM P. O'HANLON PRESIDENT, SAMBA BOD | Consulting (general); Other services; Direct payment from the plan Service code 16 | 2496 DURHAM PLACE JEFFERSONTON, VA 22724 | $46K |
| HOUSE OF PRINTING, INC. EIN 52-0942907 NONE | Other services; Copying and duplicating; Direct payment from the plan Service code 36 | — | $12K |
| NIEHUS ACTUARIAL SERVICES, INC EIN 36-4420442 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $8K |
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 | 102,478 | 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) | 102,478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 8,548 | $3.1M |
| Life insurance(2 contracts) | RELIASTAR LIFE INSURANCE COMPANY | 76,064 | $9.8M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 29,307 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76,064 | — |
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.