| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP, INC. | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | CAREFIRST BLUECHOICE | $78K | $75K | $153K | 4.91% |
| EBCA5 | PO BOX10100 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE | $0 | $19K | $19K | 0.61% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP, INC. | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | $6K | $30K | 9.20% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFTS GROUP, INC. | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $5K | $9K | 4.00% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP, INC. | 4069 CHAIN BRIDGE ROAD TOP FLOOR FAIRFAX, VA 22030 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.83% |
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 | 458 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 530 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 873 | $226K |
| Vision | VISION SERVICE PLAN | 286 | $47K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 493 | $323K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 493 | $323K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 493 | $323K |
| Prescription drug | CAREFIRST BLUECHOICE | 530 | $3.1M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 493 | $323K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 873 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.