| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOC BUILDERS & CONTRACTORS INS SE3 | 440 1ST STREET NW-STE 2 WASHINGTON, DC 200012028 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.57% |
| ASSOCIATED BLDRS & CONTRACTORS INS3 Filed as: ASSOCIATED BLDRS & CONTRACT INS SE | 4250 FAIRFAX DRIVE-9TH FL ARLINGTON, VA 22203 | NATIONAL UNION FIRE INSURANCE CO OF PITTSBURGH, PA | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SHMUEL MELAMED EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $248K |
| REMINGTON JAYASHEKKARAMURTHY EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $164K |
| BRAD ROTHERMEL EIN 57-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $126K |
| VICKI M TEDDER EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $114K |
| LASHONDA P. WILLIAMS EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $92K |
| DOUGLAS FREESE EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $90K |
| MARANDA D JONES-ANDERSON EIN 57-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $79K |
| RAYMOND JAMES AND ASSOCIATES EIN 59-1237041 NONE | Investment management Service code 28 | — | $79K |
| KELLIE STEWART EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $73K |
| BARBARA PFAFFLY EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $70K |
| LAURA SCOTT WILLIAMS EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $66K |
| KEVIN DUPONT EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $66K |
| ENITOR WILLIAMS EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $62K |
| ROBERT MILLER NONE | Insurance agents and brokers Service code 22 | 723 ARBORETUM BURLINGTON, MA 01803 | $51K |
| HUDSPETH BENEFITS GROUP EIN 62-1572362 NONE | Insurance agents and brokers Service code 22 | — | $21K |
| TATE & TRYON EIN 52-1855942 NONE | Accounting (including auditing) Service code 10 | — | $21K |
| ZYWAVE EIN 04-3670979 NONE | Insurance services Service code 23 | — | $19K |
| DANA BROWNE EIN 57-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | — | $15K |
| GELMAN ROSENBERG AND FREEDMAN NONE | Accounting (including auditing) Service code 10 | 4550 MONTGOMERY AVE-#650N BETHESDA, MD 20814 | $12K |
| GENISIS SOLUTIONS EIN 20-1201504 NONE | Claims processing Service code 12 | — | $4K |
| DLA PIPER EIN 52-0616649 NONE | Legal Service code 29 | — | $2K |
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 | 6,815 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,823 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 6,431 | $1.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,398 | $129K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 6,431 | $1.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,431 | $1.9M |
| Long-term disability | RELIANCE STANDARD | 392 | $92K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 6,431 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,431 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.