| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGENCY & FINANCIAL SERV | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | — | $44K | 2.72% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGENCY & FINANCIAL SERV | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | METROPOLITAN LIFE INSURANCE COMPANY | — | $527 | $527 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.00% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMIN | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.96% |
| WILLIS TOWERS WATSON US LLC3 | LOCKBOX 28852 PO BOX 28852 NEW YORK, NY 10087 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 0.46% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGENCY & FINANCIAL SERV | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $15 | $27K | 24.52% |
| INSURANCE MARKETPLACE LLC3 | 4401 FAIR LAKES CT SUITE 304 FAIRFAX, VA 22033 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 24.50% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGENCY & FINANCIAL SERV | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $15 | $18K | 24.21% |
| INSURANCE MARKETPLACE LLC3 | 4401 FAIR LAKES CT SUITE 304 FAIRFAX, VA 22033 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 24.19% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGENCY & FINANCIAL SERV | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $15 | $18K | 24.59% |
| INSURANCE MARKETPLACE LLC3 | 4401 FAIR LAKES CT SUITE 304 FAIRFAX, VA 22102 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 24.57% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGENCY & FINANCIAL SERV | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $2K | $15K | 23.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | CONCOURSE CORPORATE CENTER 5 18TH FLOOR ATLANTA, GA 30328 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $476 | — | $476 | 2.49% |
| BENEFIT DESIGN GROUP INC3 Filed as: BENEFIT DESIGN SERVICES INC | 50 S MAIN ST SUITE A MOUNT JOY, PA 17552 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62937 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $398 | — | $398 | 2.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMINISTRATOR | Participant communication; Contract Administrator; Claims processing; Named fiduciary; Other services; Non-monetary compensation; Direct payment from the plan; Float revenue Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $991K |
| SAHOURI INS AGENCY & FINANCIAL SERV BROKER | Other services Service code 49 | 900 COTTAGE GROVE ROAD BLOOMFIELD, VA 22102 | $248K |
| CIGNA | Claims processing; Contract Administrator; Participant communication; Direct payment from the plan; Non-monetary compensation; Other services; Float revenue; Named fiduciary Service code 12 | — | $0 |
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 | 2,545 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,545 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 489 | $260K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,511 | $1.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,511 | $1.2M |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,136 | $309K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,545 | $1.6M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,511 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,545 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.