| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 20814 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 15.03% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 208144560 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 6.99% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: THE EMPLOYEE BENEFITS GROUP INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 12.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: THE EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 20814 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.16% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 20814 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 28.45% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: THE EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUIE 202 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 208144560 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 9.99% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP, INC | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 20814 | AETNA INTERNATIONAL | $710 | — | $710 | 16.81% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 4 | $34K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 105 | $131K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 91 | $45K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $147K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $90K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $90K |
| Stop-loss / reinsurancereinsurance(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 176 | $132K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $151K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.