| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INSURANCE AGENCY AND ASSOC. | 8200 GREENSBORO DRIVE SUITE 1550 MCLEAN, VA 22102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $83K | $92K | 3.25% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $29K | $32K | 1.13% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INSURANCE AGENCY AND ASSOC. | 8200 GREENSBORO DRIVE SUITE 1550 MCLEAN, VA 22102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 7.06% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 6.17% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INSURANCE AGENCY & ASSOC. | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 18.24% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $240 | $0 | $240 | 1.76% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGCY & FINANCIAL SERVIC | 8200 GREENSBORO DRIVE STE 1550 MCLEAN, VA 22102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 18.16% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $204 | $0 | $204 | 1.84% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGY AND FINANCIAL SVC | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 18.32% |
| RSC INSURANCE BROKERAGE INC3 | 160 FE 4TH FLOOR BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187 | $0 | $187 | 1.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 N/A | Non-monetary compensation; Direct payment from the plan; Contract Administrator; Other services; Participant communication; Named fiduciary; Claims processing; Float revenue Service code 12 | — | $10K |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 188 | $2.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $3.0M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 259 | $3.0M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $205K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $205K |
| Other(4 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 259 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.