| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $64K | $68K | 2.27% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $35K | $37K | 1.23% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 6.20% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $681 | $4K | 4.64% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.18% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $452 | $3K | 4.66% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | — | $33K | 63.71% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $461 | $2K | 4.65% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 3.00% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 | 909 ROSE AVE N BETHESDA, MD 20852 | VISION SERVICE PLAN | $558 | — | $558 | 1.48% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.56% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 7.54% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $864 | — | $864 | 6.32% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY ATLANTA, GA 30339 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $503 | $114 | $617 | 4.51% |
| C. T. HELLMUTH & ASSOCIATES, INC.3 Filed as: C. T. HELLMUTH & ASSOCIATES | 909 ROSE AVE N BETHESDA, MD 20852 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $893 | — | $893 | 7.50% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 318 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 318 | $3.0M |
| Vision | VISION SERVICE PLAN | 316 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $52K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $81K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $54K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.