| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEBEN INC3 Filed as: STRATEBEN INC. | 4720 MONTGOMERY LN STE 500 BETHESDA, MD 208143683 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $0 | $59K | 9.23% |
| PETER JONES3 Filed as: PETER C JONES | 1336 DENNINGS ROAD BETHESDA, MD 21776 | STANDARD INSURANCE COMPANY | $29K | $0 | $29K | 20.00% |
| STRATEBEN INC3 Filed as: STRATEBEN INC. | 4720 MONTGOMERY LN STE 500 BETHESDA, MD 20814 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 161 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $643K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $643K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 161 | $158K |
| Short-term disability | STANDARD INSURANCE COMPANY | 106 | $146K |
| Long-term disability | STANDARD INSURANCE COMPANY | 106 | $146K |
| Other | BOSTON MUTUAL LIFE INSURANCE COMPANY | 161 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.