| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY ROCKVILLE, MD 20855 | AETNA LIFE INSURANCE COMPANY | — | $4K | $4K | 0.24% |
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER BETHESDA, MD 20814 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 0.20% |
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER BETHESDA, MD 20814 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER SUITE 700 BETHESDA, MD 208146300 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 8.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 702 KING FARM BOULEVARD SUITE 210 ROCKVILLE, MD 208506563 | AMERITAS LIFE INSURANCE CORPORATION | $48 | — | $48 | 0.40% |
| JOHN H SIMMONDS3 | 3 BETHESDA METRO CENTER BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $1K | — | $1K | 13.93% |
| JOHN H SIMMONDS3 | 3 BETHESDA METRO CENTER BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY ROCKVILLE, MD 20855 | UNUM INSURANCE COMPANY | $356 | — | $356 | 4.82% |
| JOHN H SIMMONDS3 | 3 BETHESDA METRO CENTER SUITE 700 BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $356 | — | $356 | 4.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $164 | $164 | 2.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 15800 CRABBS BRANCH WAY SUITE 350 ROCKVILLE, MD 20855 | UNUM INSURANCE COMPANY | $827 | — | $827 | 12.05% |
| JOHN H SIMMONDS3 | 3 BETHESDA METRO CENTER SUITE 100 BETHESDA, MD 20814 | UNUM INSURANCE COMPANY | $827 | — | $827 | 12.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $139 | $139 | 2.03% |
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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 236 | $1.6M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 236 | $1.6M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 236 | $1.6M |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $51K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $43K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $36K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.