| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC GROUP BENEFITS LLC3 Filed as: STRATEGIC GROUP BENEFITS | 6901 ROCKLEDGE DRIVE SUITE 700 BETHESDA, MD 208170000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $181K | $181K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS (NJ) | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 752510000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $91K | $91K | 2.02% |
| DITIGAL INSURANCE, INC.3 Filed as: DITIGAL INSURANCE LLC | 200 GALLERIA PKWY, SE STE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.02% |
| JAMES EDWIN ADKINS3 Filed as: JAMES EDWIN ADKINS JR | 6901 ROCKLEDGE DRIVE SUITE 700 BETHESDA, MD 208171819 | KAISER FOUNDATION HEALTH PLAN INC | $22K | — | $22K | 5.27% |
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE DRIVE SUITE 700 BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.14% |
| JAMES EDWIN ADKINS3 | 513 CENTENNIAL BOULEVARD VOORHEES, NJ 08043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.99% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| JAMES EDWIN ADKINS3 | 513 CENTENNIAL BOULEVARD VOORHEES, NJ 08043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.43% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| JAMES EDWIN ADKINS3 | 513 CENTENNIAL BOULEVARD VOORHEES, NJ 08043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 5.24% |
| BENEFITMALL5 Filed as: BENEFITMALL INC | 501 FAIRMOUNT AVE STE 400 TOWSON, MD 21286 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.00% |
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE DRIVE SUITE 700 BETHESDA, MD 20817 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $4K | — | $4K | 5.72% |
| BENEFITMALL3 Filed as: MATHER & STROHL DBA BENEFITMALL | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $2K | — | $2K | 2.42% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $2K | — | $2K | 4.99% |
| STRATEGIC GROUP BENEFITS LLC3 | 6901 ROCKLEDGE DR SUITE 700 BETHESDA, MD 208171819 | VISION SERVICE PLAN | $2K | — | $2K | 4.03% |
| JAMES EDWIN ADKINS3 | 513 CENTENNIAL BOULEVARD VOORHEES, NJ 08043 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INS CO EIN 59-1031071 NONE | Claims processing Service code 12 | — | $182K |
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 | 481 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 483 | 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 | 456 | $5.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 372 | $311K |
| Vision | VISION SERVICE PLAN | 349 | $41K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 475 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 475 | $79K |
| Prescription drug(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 456 | $5.0M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 455 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.