| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $82K | $0 | $82K | 14.73% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.00% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $3K | 5.49% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $263 | $263 | 0.55% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 4704 DE INVIERNO WAY MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $123 | $123 | $246 | 0.51% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.00% |
| EBSME LLC3 | P.O. BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $921 | $691 | $2K | 6.43% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $921 | $691 | $2K | 6.43% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $132 | $132 | 0.53% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.50% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $553 | $0 | $553 | 2.30% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $67 | $67 | 0.28% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 4704 DE INVIERNO WAY MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $47 | $0 | $47 | 0.20% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.00% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $476 | $476 | $952 | 5.54% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $99 | $99 | 0.58% |
| ARMFIEDL HARRISON & THOMAS INC3 | 4704 DE INVIERNO WAY MT AIRY, MD 21771 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40 | $40 | $80 | 0.47% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | — |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | — |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $229 | $229 | — |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 4704 DE INVIERNO WAY MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $107 | $107 | $214 | — |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 285 | $557K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $24K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $17K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $48K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $0 |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 258 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.