| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN G. COSBY, INC.3 | 53 SOUTH 3RD STREET SUITE 210 WARRENTON, VA 20186 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $51K | $51K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 2.00% |
| COSBY INSURANCE GROUP3 | 53 SOUTH 3RD STREET SUITE 220 THE MILL BUILDING WARRENTON, VA 20186 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 15800 CRABBS BRANCH WAY STE 350 ROCKVILLE, MD 20855 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $7K | $7K | 3.00% |
| MATHER & STROHL ADMINISTRATIVE SVCS3 | NA DALLAS, TN 75251 | UNITED CONCORDIA INSURANCE COMPANY | $17K | $5K | $22K | 19.58% |
| STEVEN G. COSBY, INC.3 | 53 SOUTH 3RD STREET SUITE 210 THE MILL BUILDING WARRENTON, VA 20186 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | PO BOX 664173 DALLAS, TX 752664173 | PRINCIPAL LIFE INSURANCE COMPANY | — | $892 | $892 | 5.00% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 133 | $1.3M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 214 | $110K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $220K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $220K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $220K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.