| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEBEN INC3 Filed as: STRATEBEN INC. | 4720 MONTGOMERY LN STE 500 BETHESDA, MD 20814 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 4.00% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 15.00% |
| JOHN H SIMMONDS3 Filed as: JOHN H. SIMMONDS | 4118 ASPEN ST CHEVY CHASE, MD 20815 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 6200 CANOGA AVENUE, SUITE 300 WOODLAND HILLS, CA 91367 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $104 | — | $104 | 0.18% |
| FINANCIAL BALANCE GROUP LLC3 | 1901 RESEARCH BLVD. SUITE 400 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20 | — | $20 | 0.03% |
| STRATEBEN INC3 Filed as: STRATEBEN INC. | 4720 MONTGOMERY LN STE 500 BETHESDA, MD 20814 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $955 | — | $955 | 10.00% |
| PETER JONES3 | 1336 DENNINGS ROAD NEW WINDSOR, MD 21776 | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | $894 | — | $894 | 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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 101 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 82 | $58K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 149 | $143K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 108 | $133K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT INSURANCE COMPANY | 108 | $133K |
| Other(2 contracts, 2 carriers) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 149 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.