Form 5500 · Employee benefit plan · RESTON, VA
METAPHASE CONSULTING, LLC
The filing calls this plan METAPHASE CONSULTING, LLC WRAP BENEFIT PLAN.
Public Form 5500 records show how METAPHASE CONSULTING, LLC of RESTON, VA, a professional services employer, structures its employee benefits. Its broker of record is RIGGS COUNSELMAN MICHAELS & DOWNES. Coverage is written through CIGNA HEALTH AND LIFE INSURANCE COMPANY and 2 other carriers. The plan's most recent policy period ended in August.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 46-3528774 · plan 501 · plan year 2025, filed Feb 18, 2026
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106 other employer plans in Virginia have policy years ending in August. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Also declared: prepaid legal, death benefits.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 3 insured contracts covering health, dental, vision, life and disability; the largest, with CIGNA HEALTH AND LIFE INSURANCE COMPANY, covers 224 people.
Reported premium across the insured contracts is $2,611,290, with $40,374 in disclosed broker commissions — about 1.5% of premium.
The most recent policy period ended in August, and the plan year ends August 31. Group contracts typically renew on that annual cycle.
RIGGS COUNSELMAN MICHAELS & DOWNES is the broker of record on 1 of the 3 contracts; the rest name a different broker or none.
3 carriers appear on the filing, including CIGNA HEALTH AND LIFE INSURANCE COMPANY, THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA and LEGALSHIELD. CIGNA HEALTH AND LIFE INSURANCE COMPANY writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COMPANY | Health, Dental, Vision | 224 | Sep 1, 2025 | $2,399,696 | $25,091 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Life, Disability | 218 | Sep 1, 2025 | $207,050 | $12,909 |
| LEGALSHIELD | — | 18 | Sep 1, 2025 | $4,544 | $2,374 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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Renewal calendar
106 other employer plans in Virginia are September 1 renewals (policy year ends August).
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