| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAHOURI INSURANCE & AGCY ASSOC INC3 | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 17183 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $142K | $142K | 5.01% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGENCY & FINANCIAL | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | $0 | $31K | 10.57% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 STE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 5.77% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INSURANCE AGENCY & ASSOC. | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $0 | $21K | 8.92% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 7500 OLD GEORGETOWN RD STE 925 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.97% |
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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 463 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 358 | $232K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 358 | $232K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 548 | $295K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 548 | $295K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 548 | $295K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 548 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.