| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES | 1445 RESEARCH BLVD., #340 ROCKVILLE, MD 20850 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | $7K | $83K | 13.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN. SERVICES | 4851 LBJ FREEWAY, SUITE 1100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $35K | $35K | 5.86% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.5 Filed as: RAFFA FINANCIAL SERVICES | 1445 RESEARCH BLVD., #340 ROCKVILLE, MD 20850 | AMERITAS | $8K | $0 | $8K | 7.00% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES | 1445 RESEARCH BLVD., #340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $5K | 19.11% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES | 1445 RESEARCH BLVD., #340 ROCKVILLE, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $5K | 19.20% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES | 1445 RESEARCH BLVD., #340 ROCKVILLE, MD 20850 | EYEMED | $425 | $0 | $425 | 2.06% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER AND STROHL SERVICE | 501 FAIRMOUNT AVENUE TOWSON, MD 21286 | EYEMED | $389 | $0 | $389 | 1.88% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES | 1445 RESEARCH BLVD., #340 ROCKVILLE, MD 20850 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 18.83% |
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 | 311 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 170 | $602K |
| Dental | AMERITAS | 305 | $117K |
| Vision | EYEMED | 311 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $15K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 196 | $25K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.