| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | GHMSI / CAREFIRST BLUECHOICE | $41K | $38 | $41K | 4.00% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21284 | GHMSI / CAREFIRST BLUECHOICE | — | $4K | $4K | 0.42% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 20 S KING ST LEESBURG, VA 20175 | GUARDIAN | $3K | $2K | $5K | 8.65% |
| FINANCIAL BALANCE GROUP LLC3 | 1355 PICARD DR S380 ROCKVILLE, MD 20850 | GUARDIAN | $32 | — | $32 | 0.05% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL INSURANCE COMPANY | $2K | $26 | $2K | 10.50% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $20 | $2K | 15.16% |
| ARMFIELD HARRISON & THOMAS3 Filed as: AHT INSURANCE | 20 S KING ST LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $23 | $1K | 12.18% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $771 | $11 | $782 | 10.14% |
| ARMFIELD HARRISON & THOMAS3 Filed as: AHT INSURANCE | 20 S KING ST LEESBURG, VA 20175 | THE LINCOLN NATIONAL INSURANCE COMPANY | $793 | $17 | $810 | 15.31% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI / CAREFIRST BLUECHOICE | 155 | $1.0M |
| Dental | GUARDIAN | 91 | $63K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 71 | $8K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 105 | $16K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL INSURANCE COMPANY | 106 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $12K |
| Prescription drug | GHMSI / CAREFIRST BLUECHOICE | 155 | $1.0M |
| Other | THE LINCOLN NATIONAL INSURANCE COMPANY | 17 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.