| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN L CRAWFORD3 Filed as: STEVEN HEGER | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $59K | $69K | 4.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 2.14% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA & ASSOCIATES FINANCIAL SERVIC | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.29% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES | 1445 RESEARCH BOULEVARD SUITE 340 ROCKVILLE, MD 20850 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.31% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $1.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $1.6M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $23K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 191 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.