| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 8401 CONNECTICUT AVENUE CHEVY CHASE, MD 20815 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 1.20% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C T HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVENUE SUITE 1200 CHEVY CHASE, MD 20815 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $79K | $15K | $95K | 11.93% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C T HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVENUE SUITE 1200 CHEVY CHASE, MD 20815 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | $10K | $64K | 11.94% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C T HELLMUTH & ASSOCIATES | 8401 CONNECTICUT AVENUE SUITE 1200 CHEVY CHASE, MD 20815 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35K | $7K | $41K | 11.99% |
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 | 2,038 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,049 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,599 | $1.3M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,361 | $793K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,361 | $345K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,361 | $536K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 5,599 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,599 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.