| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP, INC. | 4405 E WEST HWY STE 202 BETHESDA, MD 20814 | SUN LIFE AND HEALTH INSURANCE COMPANY | $74K | — | $74K | 9.93% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $3K | $3K | 0.43% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HWY STE 202 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 8.77% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: THE EMPLOYEE BENEFIT GROUP, INC. | 4405 EAST WEST HIGHWAY STE 202 BETHESDA, MD 20814 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $35K | — | $35K | 10.00% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: THE EMPLOYEE BENEFIT GROUP, INC. | 4405 EAST WEST HIGHWAY STE 202 BETHESDA, MD 20814 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $19K | — | $19K | 10.00% |
| EMPLOYEE BENEFIT SERVICES3 Filed as: THE EMPLOYEE BENEFIT GROUP, INC. | 4405 EAST WEST HIGHWAY STE 202 BETHESDA, MD 20814 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | — | $5K | 10.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: THE EMPLOYEE BENEFITS GROUP, INC. | 4405 EAST WEST HIGHWAY SUITE 202 BETHESDA, MD 20814 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 15.00% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE BENEFITS GROUP | 4405 E WEST HIGHWAY SUITE 202 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
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 | 680 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 65 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 745 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 19 | $578K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 19 | $578K |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 19 | $768K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $349K |
| Stop-loss / reinsurancereinsurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 692 | $742K |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 19 | $691K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 692 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.