| 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 | — | $113K | $113K | 4.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 752510000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $56K | $56K | 2.00% |
| JAMES EDWIN ADKINS3 Filed as: JAMES EDWIN ADKINS, JR. | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 208177857 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 4.85% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC GROUP BENEFITS, LLC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | GUARDIAN | $5K | — | $5K | 2.85% |
| BENEFITMALL3 Filed as: BENFITMALL INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.28% |
| JAMES EDWIN ADKINS3 | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 208177857 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.12% |
| JAMES EDWIN ADKINS5 | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 208177857 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $873 | $873 | 1.92% |
| BENEFITMALL5 Filed as: BENEFITMALL INC. | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $492 | $492 | 1.08% |
| JAMES EDWIN ADKINS3 | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 208177857 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.65% |
| BENEFITMALL3 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| JAMES EDWIN ADKINS5 | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $824 | $824 | 1.88% |
| BENEFITMALL5 Filed as: BENEFITMALL INC. | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $493 | $493 | 1.12% |
| JAMES EDWIN ADKINS3 | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 208177857 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 6.21% |
| BENEFITMALL3 Filed as: BENEFITMALL INC. | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.60% |
| JAMES EDWIN ADKINS5 | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $716 | $716 | 1.92% |
| BENEFITMALL5 Filed as: BENEFITMALL INC. | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 212860000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $403 | $403 | 1.08% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 752511803 | VSP | $2K | — | $2K | 4.98% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC GROUP BENEFITS, LLC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 208177857 | VSP | $1K | — | $1K | 4.64% |
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC GROUP BENEFITS, LLC | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 208177857 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $450 | — | $450 | 3.41% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 212860000 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $255 | — | $255 | 1.93% |
| JAMES EDWIN ADKINS3 | 6901 ROCKLEDGE DRIVE SUITE 500 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $405 | — | $405 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS CO EIN 59-1031071 NONE | Claims processing Service code 12 | — | $114K |
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 | 366 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 395 | $3.0M |
| Dental | GUARDIAN | 285 | $187K |
| Vision | VSP | 270 | $30K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 366 | $37K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 366 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 366 | $46K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 366 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.