| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 4.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.96% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $393 | $3K | 11.35% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$100 | $1K | $1K | 5.00% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $312 | $2K | 11.31% |
| BENEFITMALL3 | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$76 | $1K | $1K | 5.00% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC GROUP BENEFITS, LLC. | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | VISION SERVICE PLAN | $1K | — | $1K | 6.26% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $149 | $1K | 9.53% |
| BENEFITMALL3 | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$43 | $586 | $543 | 4.32% |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $104K |
| Vision | VISION SERVICE PLAN | 119 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $21K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 56 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $25K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.