| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES7 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX- 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $58K | $17K | $76K | 1.97% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES7 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX- 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $45K | $17K | $63K | 2.06% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47K | $47K | 1.91% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $36K | $36K | 1.99% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $139K | $27K | $165K | 11.81% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 2.05% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $91K | $18K | $109K | 11.80% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | $12K | $72K | 11.83% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES7 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX- 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 1.50% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES7 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX- 746600 ATLANTA, GA 303746600 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $133 | $29 | $162 | 1.76% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | PO BOX- 746600 ATLANTA, GA 303746600 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40 | $12 | $52 | 1.99% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $290 | $44 | $334 | 13.47% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $263 | $44 | $307 | 12.92% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON ST STE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $203 | $18 | $221 | 11.78% |
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 | 8,409 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 41 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,450 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 7,441 | $2.9M |
| Life insurance(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,449 | $5.2M |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,409 | $6.9M |
| Other(9 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,409 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,449 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.