| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN H SIMMONDS3 | 3 BETHESDA METRO CENTER, SUITE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 18.72% |
| STRATEBEN INC3 Filed as: STRATEBEN, INC. | 3 BETHESDA METRO CENTER, SUITE 700 BETHESDA, MD 208146300 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.26% |
| JOHN H SIMMONDS3 | 3 BETHESDA METRO CENTER, SUITE 700 BETHESDA, MD 20814 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 18.27% |
| STRATEBEN INC3 | 3 BETHESDA METRO CENTER BETHESDA, MD 20814 | EYE MED | $2K | — | $2K | 9.84% |
| STRATEBEN INC3 Filed as: STRATEBEN INC. | 4720 MONTGOMERY LANE, STE 500 BETHESDA, MD 20814 | EYE MED | $2K | — | $2K | 7.82% |
| FINANCE FORWARD ASSOCIATES LLC3 | 1910 TOWNE CENTRE BLVD SUITE 250 ANNAPOLIS, MD 21401 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $395 | — | $395 | 2.53% |
| JOHN H SIMMONDS3 Filed as: JOHN SIMMONDS | 3 BETHESDA METRO CENTER, SUITE 700 BETHESDA, MD 20814 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $282 | — | $282 | 1.80% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 322 | $100K |
| Vision | EYE MED | 208 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $257K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $228K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $213K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 250 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.