| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $5K | $35K | 11.66% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 S KING ST LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.89% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $6 | $2K | $2K | 0.72% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | METROPOLITAN LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $274 | $3K | 8.73% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD STE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 7.61% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $20 | $145 | $165 | 0.57% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 S KING ST LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $157 | $157 | 0.54% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $222 | $3K | 13.39% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD STE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.69% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $24 | $129 | $153 | 0.69% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON &B THOMAS LLC | 20 S KING ST LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $140 | $140 | 0.63% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $81 | $2K | 9.89% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS RD STE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.06% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 S KING ST LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $162 | $162 | 0.77% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | 6720 B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | -$92 | $147 | $55 | 0.26% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE, LLC | — | LEGAL RESOURCES | $999 | $0 | $999 | 6.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $189K |
| USI INSURANCE SERVICES LLC BROKER | Other commissions Service code 55 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | $90K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $7K |
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 | 557 | 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) | 557 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $298K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 557 | $298K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 224 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.