| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVE HEGER3 | 9525 PURCELL ROAD POTOMAC, MD 20850 | GUARDIAN | $14K | — | $14K | 9.34% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES, INC. | 1445 RESEARCH BLVD, SUITE 340 ROCKVILLE, MD 20850 | GUARDIAN | $0 | $6K | $6K | 3.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE AND FINA | 6200 CANOGA AVENUE, SUITE 300 WOODLAND HILLS, CA 91367 | GUARDIAN | $4K | — | $4K | 2.89% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES, INC. | 1445 RESEARCH BLVD, SUITE 340 ROCKVILLE, MD 20850 | HEARTLAND | $1K | $0 | $1K | 9.09% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES, INC. | 1445 RESEARCH BLVD, SUITE 340 ROCKVILLE, MD 20850 | HARTFORD LIFE AND ACCIDENT | $128 | $0 | $128 | 14.95% |
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 | 267 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $1.5M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 181 | $171K |
| Vision | HEARTLAND | 267 | $13K |
| Life insurance | GUARDIAN | 177 | $150K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 267 | $151K |
| Long-term disability | GUARDIAN | 177 | $150K |
| Other | GUARDIAN | 177 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 267 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.