| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEBEN INC3 | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $307 | $5K | 2.50% |
| STRATEBEN INC3 | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | UNITED OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| STRATEBEN INC3 | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| STRATEBEN INC3 | 4720 MONTEGOMERY LANE SUITE 500 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | — | $11K | 15.00% |
| STRATEBEN INC3 | 4720 MONTEGOMERY LANE SUITE 500 BETHESDA, MD 20814 | VISION SERVICE PLAN | $1K | — | $1K | 4.94% |
| STRATEBEN INC3 | 4720 MONTEGOMERY LANE SUITE 500 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 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 | 471 | 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) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 375 | $216K |
| Vision | VISION SERVICE PLAN | 225 | $26K |
| Life insurance(2 contracts) | UNITED OMAHA LIFE INSURANCE COMPANY | 471 | $102K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 267 | $72K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 240 | $87K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 309 | $341K |
| Other(2 contracts) | UNITED OMAHA LIFE INSURANCE COMPANY | 471 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.