| 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 | 2.17% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC | 3 METRO CENTER SUITE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC | 3 METRO CENTER SUITE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | — | $15K | 15.00% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC | 3 METRO CENTER SUITE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC | 4720 MONTGOMERY LANE SUITE 500 BETHESDA, MD 20814 | VISION SERVICE PLAN | $2K | — | $2K | 4.24% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC | 3 METRO CENTER SUITE 70 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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 556 | $312K |
| Vision | VISION SERVICE PLAN | 283 | $36K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 574 | $118K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 294 | $102K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $96K |
| Stop-loss / reinsurancereinsurance | UNIAMERICA INSURANCE COMPANY | 345 | $99K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 574 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.