Form 5500 · Employee benefit plan · VIENNA, VA
CLAREST
CLAREST of VIENNA, VA insures dental, vision, life, disability and stop-loss coverage for its employees, per Schedule A of its Form 5500. Its broker of record is CENTERSTONE INSURANCE & FINANCIAL. Coverage is written through THE GUARDIAN LIFE INSURANCE COMPANY and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 20-7807664 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 5 insured contracts covering dental, vision, life, disability and stop-loss; the largest, with THE GUARDIAN LIFE INSURANCE COMPANY, covers 1,809 people.
The only insured piece of the health benefit is stop-loss coverage — the plan itself is self-funded, so premium and commission here reflect the stop-loss contract, not medical premium.
Reported premium across the insured contracts is $2,421,208, with $256,609 in disclosed broker commissions — about 11% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
CENTERSTONE INSURANCE & FINANCIAL is the broker of record on 1 of the 5 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| THE GUARDIAN LIFE INSURANCE COMPANY | Dental, Vision, Life, Disability | 1,809 | December | $1,158,640 | $148,068 |
| PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | 491 | December | $192,279 | $73,755 |
| FIRST UNUM LIFE INSURANCE COMPANY | — | 418 | December | $102,729 | $30,539 |
| METROPOLITAN GENERAL INSURANCE COMPANY | — | 179 | December | $28,314 | $4,247 |
| SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | Stop-loss | 1,230 | December | $939,246 | $0 |
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