| 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 | 2.10% |
| 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 METRO CENTER SUITE 70 BETHESDA, MD 20814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC | 3 BETHESDA METRO CENTER SUITE 700 BETHESDA, MD 20814 | VISION SERVICE PLAN | $1K | — | $1K | 3.88% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $146 | — | $146 | 0.42% |
| 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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 585 | $327K |
| Vision | VISION SERVICE PLAN | 303 | $35K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 671 | $128K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 318 | $122K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $107K |
| Stop-loss / reinsurancereinsurance | LIBERTY INSURANCE UNDERWRITING | 342 | $926K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 671 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 671 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.