| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES, INC. | 1445 RESEARCH BLVD, SUITE 340 ROCKVILLE, MD 20850 | BENISTAR GROUP RETIRE HEALTH SOLUTIONS | $9K | $3K | $12K | 4.76% |
| RAFFA & ASSOC FINANCIAL SVCS, INC. Filed as: RAFFA FINANCIAL SERVICES, INC. | 1445 RESEARCH BLVD, SUITE 340 ROCKVILLE, MD 20850 | DELTA DENTAL INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES, INC. | 1445 RESEARCH BLVD, SUITE 340 ROCKVILLE, MD 20850 | GUARDIAN | $11K | $5K | $17K | 14.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE, # 400S DALLAS, TX 75251 | GUARDIAN | $3K | $0 | $3K | 2.89% |
| RAFFA & ASSOC FINANCIAL SVCS, INC.3 Filed as: RAFFA FINANCIAL SERVICES, INC. | 1445 RESEARCH BLVD, SUITE 340 ROCKVILLE, MD 20850 | NATIONAL VISION ADMINISTRATION, L.L.C. | $854 | $0 | $854 | 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 | 264 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $1.6M |
| Dental | DELTA DENTAL INSURANCE COMPANY | 264 | $127K |
| Vision | NATIONAL VISION ADMINISTRATION, L.L.C. | 184 | $9K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 212 | $114K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 212 | $114K |
| Long-term disability | GUARDIAN | 129 | $113K |
| Other | GUARDIAN | 129 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.