| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAK ASSOCIATES INC3 | 9711 WASHINGTONIAN BLVD, STE 350 GAITHERSBURG, MD 20878 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $51K | $51K | 2.51% |
| ALLISON LUTERMAN3 | 14021 WELLAND TERR NORTH POTOMAC, MD 20878 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $51K | $51K | 2.50% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FIN SVCS | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $41K | $41K | 2.00% |
| SUZANNE A KATZ3 | 9711 WASHINGTONIAN BLVD, STE 350 GAITHERSBURG, MD 20878 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$203 | -$203 | -0.01% |
| ALLISON LUTERMAN3 | 14201 WELLAND TERRACE POTOMAC, MD 20878 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.97% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 4.97% |
| SAK ASSOCIATES INC3 Filed as: SAK ASSOCIATES, INC. | 9711 WASHINGTON BLVD SUITE 350 GAITHERSBURG, MD 20878 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.96% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | $0 | $4K | 4.35% |
| SAK ASSOCIATES INC3 Filed as: SAK ASSOCIATES, INC. | 9711 WASHINGTON BLVD, SUITE 350 GAITHERSBURG, MD 20878 | CIGNA SUPPLEMENTAL HEALTH SOLUTIONS | $1K | $1K | $3K | 44.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLISON LUTERMAN NONE | Insurance services Service code 23 | 14021 WELLAND TERR NORTH POTOMAC, MD 20878 | $0 |
| CENTERSTONE INS AGCY & FINSVCS NONE | Insurance services Service code 23 | 12404 PARK CENTRAL DRIVE STE 400S DALLAS, TX 75251 | $0 |
| SAK ASSOCIATES, INC. NONE | Insurance services Service code 23 | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | $0 |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $141K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $141K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 262 | $89K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 262 | $89K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 262 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.