| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC GROUP BENEFITS | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 208170000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $58K | $58K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752510000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $29K | $29K | 2.00% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMIN SERVICES, INC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75244 | UNITED CONCORDIA COMPANIES, INC. | $0 | $9K | $9K | 4.34% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOCIATES | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 208177857 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $342 | $4K | 10.76% |
| BENEFITMALL5 Filed as: BENEFITMALL INC. | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOCIATES | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDAY, MD 208177857 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.77% |
| BENEFITMALL5 Filed as: BENEFITMALL INC. | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC FINANCIAL ASSOCIATES | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 208177857 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $140 | $3K | 10.31% |
| BENEFITMALL5 Filed as: BENEFITMALL INC. | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC GROUP BENEFITS, LLC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 208177857 | VSP | $1K | — | $1K | 4.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 752511803 | VSP | $1K | — | $1K | 4.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS CO EIN 59-1031071 NONE | Claims processing Service code 12 | — | $67K |
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 | 300 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 178 | $1.5M |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 445 | $208K |
| Vision | VSP | 201 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $33K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $40K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $41K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 291 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.