| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INSURANCE AGENCY & ASSOC. | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 12.58% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INSURANCE AGENCY & FIN SVC | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 12.98% |
| SAHOURI INSURANCE AGENCY & ASSOC3 | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 16.22% |
| SAHOURI INSURANCE AGENCY & ASSOC3 | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 10.95% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS & AGENCY ASSOC INC | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 13.37% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM INSURANCE COMPANY | $95 | $0 | $95 | 0.79% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS & AGENCY ASSOC INC | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | UNUM INSURANCE COMPANY | $500 | $0 | $500 | 5.57% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGENCY & ASSOC | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | UNUM INSURANCE COMPANY | $946 | $0 | $946 | 13.99% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | UNUM INSURANCE COMPANY | $168 | $4 | $172 | 2.54% |
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 | 94 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $324K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $321K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $321K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $52K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $29K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $21K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $324K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 94 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.