| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $5K | $25K | 3.98% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $64 | $8K | 1.24% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.25% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $0 | $37K | 14.40% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.85% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.75% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42K | $0 | $42K | 16.79% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 1.03% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 0.84% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $0 | $25K | 14.40% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 0.85% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 0.75% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $437 | $8K | 13.17% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.39% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.01% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $358 | $8K | 15.28% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $349 | $0 | $349 | 0.71% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $250 | $4K | 12.20% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 4.63% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 14.40% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $159 | $0 | $159 | 0.85% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $140 | $0 | $140 | 0.75% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS RELATED SERVICES | Contract Administrator; Non-monetary compensation; Other services; Direct payment from the plan; Claims processing; Named fiduciary; Participant communication; Float revenue Service code 12 | — | $717K |
| ARMFIELD HARRISON & THOMAS LLC BROKER | Insurance agents and brokers Service code 22 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | $110K |
| THE CAPITAL GROUP LLC BROKER | Insurance agents and brokers Service code 22 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | $88K |
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 | 1,667 | 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) | 1,667 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,667 | $626K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,132 | $249K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,132 | $254K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,132 | $176K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,555 | $1.3M |
| Other(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,132 | $412K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,667 | — |
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.