Form 5500 · Employee benefit plan · WASHINGTON, DC
STERNE, KESSLER, GOLDSTEIN & FOX P.L.L.C.
STERNE, KESSLER, GOLDSTEIN & FOX P.L.L.C. of WASHINGTON, DC is a 431-participant professional services employer whose group benefits are disclosed in its annual Form 5500 filing. Its broker of record is HOWARTH III, FREDERICK W. Coverage is written through CAREFIRST BLUECHOICE, INC. and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 52-1193988 · plan 501 · as of Aug 2026
Plan brief
Schedule A lists 8 insured contracts covering health, dental, vision, life and disability; the largest, with CAREFIRST BLUECHOICE, INC., covers 827 people.
Reported premium across the insured contracts is $5,901,769, with $137,097 in disclosed broker commissions — about 2.3% 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.
HOWARTH III, FREDERICK W is the broker of record on 1 of the 8 contracts; the rest name a different broker or none.
4 carriers appear on the filing — CAREFIRST BLUECHOICE, INC., UNUM LIFE INSURANCE COMPANY OF AMERICA, UNUM INSURANCE COMPANY and FIRST CARE, INC. — with CAREFIRST BLUECHOICE, INC. writing the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Disability | 464 | December | $472,829 | $47,283 |
| CAREFIRST BLUECHOICE, INC. | Health, Dental, Vision | 827 | December | $5,110,594 | $39,683 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 169 | December | $129,303 | $20,689 |
| UNUM LIFE INSURANCE COMPANY OF AMERICA | Life | 481 | December | $103,832 | $12,460 |
| UNUM INSURANCE COMPANY | — | 107 | December | $27,946 | $7,240 |
| UNUM INSURANCE COMPANY | — | 117 | December | $22,992 | $5,816 |
| UNUM INSURANCE COMPANY | — | 78 | December | $26,173 | $3,926 |
| FIRST CARE, INC. | — | 375 | December | $8,100 | $0 |
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