| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $6K | $6K | 4.95% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOC | 6901 ROCKLEDGE DRIVE SUITE 700 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 4.95% |
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE RD STE 700 BETHESDA, MD 208171819 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 752511814 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.98% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $763 | — | $763 | 5.00% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOC | 6901 ROCKLEDGE DRIVE STE 700 BETHESDA, MD 20817 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $762 | — | $762 | 5.00% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC GROUP BENEFITS, LLC. | 6901 ROCKLEDGE DRIVE SUITE 700 BETHESDA, MD 20817 | EYEMED VISION CARE | $977 | — | $977 | 6.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE AKA BENEFITMALL-DALLAS | 12404 PARK CENTRAL DRIVE #400 DALLAS, TX 75251 | EYEMED VISION CARE | $219 | — | $219 | 1.45% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOC | 6901 ROCKLEDGE DRIVE SUITE 700 BETHESDA, MD 20817 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN SERVICE | 6200 CANOGA AVE #300 WOODLAND HILLS, CA 91367 | STANDARD INSURANCE COMPANY | $660 | — | $660 | 5.00% |
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 | 189 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 151 | $113K |
| Vision | EYEMED VISION CARE | 222 | $15K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $48K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $50K |
| Long-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $50K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 233 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.