| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $65K | $71K | 5.02% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $31K | $31K | 2.16% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 15.48% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 5.44% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 11.84% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 4.16% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 15.30% |
| ARMFIELD HARRISON & THOMAS3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 4.65% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $646 | $5K | 13.42% |
| ARMFIELD HARRISON & THOMAS3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 6.02% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 14.80% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 5.20% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $384 | $4K | 14.74% |
| ARMFIELD HARRISON & THOMAS3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 4.77% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 11.84% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $676 | $0 | $676 | 4.16% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 18.77% |
| ARMFIELD HARRISON & THOMAS3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $656 | $0 | $656 | 4.59% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $559 | $0 | $559 | 14.79% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $197 | $0 | $197 | 5.21% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $192 | $0 | $192 | 11.81% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $68 | $0 | $68 | 4.18% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $183 | $23 | $206 | 14.30% |
| ARMFIELD HARRISON & THOMAS3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $88 | $0 | $88 | 6.11% |
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 | 171 | 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) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 121 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 121 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 121 | $1.4M |
| Life insurance(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $59K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $87K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $94K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.