| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ MT DONAHOE & ASSOC LLC | 9755 PATUXENT WOODS DR, STE 250 COLUMBIA, MD 21046 | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | $59K | — | $59K | 2.93% |
| TRIBRIDGE PARTNERS LLC3 | 5280 CORPORATE DR STE C250 FREDERICK, MD 217038508 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 6.76% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217717774 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 2.51% |
| LIFETIME BENEFITS LLC3 | 843 QUINCE ORCHARD BLVD STE E GAITHERSBURG, MD 208781626 | METROPOLITAN LIFE INSURANCE COMPANY | $430 | — | $430 | 0.13% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 117 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $327K |
| Vision(2 contracts, 2 carriers) | ANTHEM HEALTH PLANS OF VIRGINIA, INC. | 283 | $2.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $327K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $327K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $327K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 283 | $327K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.