| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED BLDERS & CONTRACTORS INS3 Filed as: ASSOCIATED BLDERS & CONTRACTORS SER | 440 1ST STREET NW- STE 2 WASHINGTON, DC 20001 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.20% |
| ASSOCIATED BLDERS & CONTRACTORS INS3 | 4250 FAIRFAX DRIVE-FL 19 ARLINGTON, VA 22203 | NATIONAL UNION FIRE INS. 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 | 11504 ROCKLEDGE RD SILVER SPRING, MD 20902 | $269K |
| REMINGTON JAYASHEKARAMURTHY EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | 6464 ASHBY GROVE LOOP HAYMARKET, VA 20169 | $199K |
| BRAD ROTHERMEL EMPLOYEE OF TRUST | Employee (plan) Service code 30 | 4555 MAXFIELD DR ANNANDALE, VA 22003 | $121K |
| VICKI M TEDDER EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | 3900 WINFORD JOSEPH NANJEMOY, MD 20662 | $117K |
| LASHONDA P WILLIAMS EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | 10224 PRINCE PLACE UNIT 305 UPPER MARLBORO, MD 20774 | $98K |
| DOUGLAS FREESE EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | 5518 JOHNSON AVE BETHESDA, MD 20817 | $84K |
| RAYMOND JAMES AND ASSOCIATES EIN 59-1237041 NONE | Investment management Service code 28 | 880 CARRILON PARKWAY ST. PETERSBURG, FL 33716 | $82K |
| KEVIN DUPONT EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | 1804 9TH ST APT C ARLINGTON, VA 22204 | $75K |
| BARBARA PFAFFLY EMPLOYEE OF TRUST | Employee (plan) Service code 30 | 5320 NE 45TH TERRACE KANSAS CITY, MO 64117 | $69K |
| ENITOR WILLIAMS EIN 52-1115752 EMPLOYEE OF THE TRUST | Employee (plan) Service code 30 | 22610 MUSCADINE DR CLARKSBURG, MD 20871 | $67K |
| LAURA SCOTT WILLIAMS EIN 52-1115752 EMPLOYEE OF TRUST | Employee (plan) Service code 30 | 507 NORTH EARL NATCHEZ, MS 39120 | $57K |
| ROBERT MILLER NONE | Insurance agents and brokers Service code 22 | 723 ARBORETUM BURLINGTON, MA 01803 | $49K |
| TATE & TRYON EIN 52-1855942 NONE | Accounting (including auditing) Service code 10 | 2021 L ST NW SUITE 400 WASHINGTON, DC 20036 | $22K |
| ZYWAVE EIN 04-3670979 NONE | Insurance services Service code 23 | 10700 WEST RESEARCH RD MILWAUKEE, TN 53266 | $19K |
| HUDSPETH BENEFITS GROUP EIN 62-1572362 NONE | Insurance agents and brokers Service code 22 | 5635 WALNUT RD MEMPHIS, TN 38120 | $14K |
| GELMAN ROSENBERG AND FREEDMAN NONE | Accounting (including auditing) Service code 10 | 4550 MONTGOMERY AVE #650N BETHESDA, MD 20814 | $9K |
| GENISIS SOLUTIONS EIN 20-1201504 NONE | Claims processing Service code 12 | 700 FIELDSTONE DR STE 108-301 LEESBURG, VA 20176 | $6K |
| DLA PIPER EIN 52-0616649 NONE | Legal Service code 29 | 500 8TH ST NW WASHINGTON, DC 20004 | $950 |
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 | 6,977 | 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) | 6,985 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 5,882 | $2.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,575 | $147K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 5,882 | $2.2M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 5,882 | $2.2M |
| Long-term disability | RELIANCE STANDARD | 424 | $123K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,882 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,882 | — |
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.
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.