| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WASHINGTON AGENCY NORTHWESTERN3 Filed as: WASHINGTON AGENCY NORTHWESTERN GRP. | 10306 EATON PLACE, SUITE 420 FAIRFAX, VA 22030 | CAREFIRST BLUECHOICE | $57K | $16K | $72K | 6.37% |
| WASHINGTON GROUP LLC3 Filed as: THE WASHINGTON AGENCY | 10306 EATON PLACE, SUITE 420 FAIRFAX, VA 22030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 5.83% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FWY, SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.44% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY, SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 1.13% |
| WASHINGTON AGENCY NORTHWESTERN3 Filed as: WASHINGTON AGY NW GP MKTG SVC | 10306 EATON PL. STE. 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 11.69% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC. | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.01% |
| WASHINGTON AGENCY NORTHWESTERN3 Filed as: WASHINGTON AGENCY NW GP MKTG SVC | 10306 EATON PL. STE. 420 FAIRFAX, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC. | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.01% |
| WASHINGTON AGENCY NORTHWESTERN3 Filed as: WASHINGTON AGY NW GP MKTG SVC | 10306 EASTON PL. STE. 420 MCLEAN, VA 22030 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.03% |
| BENEFIT MALL3 Filed as: BENEFIT MALL INC. | 501 FAIRMOUNT AVENUE, SUITE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $964 | $964 | 6.02% |
| WASHINGTON GROUP LLC3 Filed as: THE WASHINGTON AGENCY | 10306 EATON PLACE, SUITE 420 FAIRFAX, VA 22030 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $373 | — | $373 | 5.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FWY, SUITE 100 DALLAS, TX 75244 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $257 | $257 | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY, SUITE 100 ATLANTA, GA 30339 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $77 | — | $77 | 1.20% |
| WASHINGTON GROUP LLC3 Filed as: THE WASHINGTON AGENCY | 10306 EATON PLACE, SUITE 420 FAIRFAX, VA 22030 | CIGNA DENTAL HEALTH OF PENNSYLVANIA | $71 | — | $71 | 5.80% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FWY, SUITE 100 DALLAS, TX 75244 | CIGNA DENTAL HEALTH OF PENNSYLVANIA | — | $49 | $49 | 4.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PKWY. STE. 1950 ATLANTA, GA 30339 | CIGNA DENTAL HEALTH OF PENNSYLVANIA | $15 | — | $15 | 1.22% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 110 | $1.1M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 102 | $99K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 102 | $91K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $18K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 60 | $16K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $32K |
| Prescription drug | CAREFIRST BLUECHOICE | 110 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.