| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA A SCHRADE3 Filed as: PATRICIA SCHRADE | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $52K | $52K | 2.76% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AGENCY | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 1.84% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.01% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.45% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.37% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.27% |
| BENEFIT MALL3 | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $273 | — | $273 | 2.00% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $425 | — | $425 | 14.99% |
| PATRICIA A SCHRADE3 | 3950 CHAIN BRIDGE ROAD SUITE 8 FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51 | — | $51 | 8.06% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 4005 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13 | — | $13 | 2.05% |
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 | 228 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $21K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $73K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $45K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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."
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.