| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC GROUP BENEFITS | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | $97K | $110K | 4.55% |
| 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 | $374 | $51K | $51K | 2.11% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | 200 GALLERIA PKWY SE SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $727 | — | $727 | 0.03% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $834 | — | $834 | 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 | — | $2K | 15.00% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $191 | — | $191 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 TPA | Contract Administrator; Claims processing Service code 12 | — | $90K |
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 | 320 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $2.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $2.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 320 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 83 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 106 | $11K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 320 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.