| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED HEALTHCARE INSURANCE CO | $31K | $0 | $31K | 4.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 650 E CARMEL DR STE 400 CARMEL, IN 46032 | UNITED HEALTHCARE INSURANCE CO | $23K | $0 | $23K | 3.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.10% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $385 | $0 | $385 | 3.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $584 | $0 | $584 | 7.39% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $206 | $0 | $206 | 2.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $363 | $0 | $363 | 8.66% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $129 | $0 | $129 | 3.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40 | $0 | $40 | 7.26% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15 | $0 | $15 | 2.72% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE CO | 155 | $765K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $12K |
| Other(4 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 110 | $23K |
| 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.