| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER SUITE 700 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 2.04% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 METRO CENTER SUITE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 METRO CENTER SUITE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | — | $18K | 15.00% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 METRO CENTER SUITE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC | 3 BETHESDA METRO CENTER SUITE 700 BETHESDA, MD 20814 | VISION SERVICE PLAN | $2K | — | $2K | 4.24% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $156 | — | $156 | 0.41% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 METRO CENTER SUITE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 626 | $349K |
| Vision | VISION SERVICE PLAN | 339 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 773 | $132K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 349 | $130K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $117K |
| Stop-loss / reinsurancereinsurance | LIBERTY INSURANCE UNDERWRITERS INC. | 377 | $728K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 773 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 773 | — |
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."
No prospect flags tripped on this filing.