| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $122K | — | $122K | 0.84% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | PRUDENTIAL INS. CO. OF AMERICA | $680K | — | $680K | 17.01% |
| BENEFIT COMMUNICATION SERVICES, INC3 Filed as: BENEFIT COMMUNICATION | 6230 FAIRVIEW RD, SUITE 210 CHARLOTTE, NC 28210 | PRUDENTIAL INS. CO. OF AMERICA | $166K | — | $166K | 4.14% |
| IMG3 | 2960 N MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INS. CO. OF AMERICA | — | $576 | $576 | 0.01% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | EYEMED VISION CARE | $28K | — | $28K | 7.63% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | HARTFORD ACCIDENT AND LIFE INSURANCE CO. | $5K | — | $5K | 5.03% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 8.25% |
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 | 2,660 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,682 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,681 | $14.6M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 13 | $68K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 4,130 | $442K |
| Life insurance | PRUDENTIAL INS. CO. OF AMERICA | 4,546 | $4.0M |
| Short-term disability | PRUDENTIAL INS. CO. OF AMERICA | 4,546 | $4.0M |
| Long-term disability | PRUDENTIAL INS. CO. OF AMERICA | 4,546 | $4.0M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 1,681 | $14.5M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INS. CO. OF AMERICA | 4,546 | $4.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,546 | — |
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.