| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $17 | $17 | 0.00% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $52K | $11K | $63K | 17.38% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $0 | $14K | 3.75% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $24K | $10K | $34K | 10.60% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS INC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 2.20% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | $7K | $23K | 10.60% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 2.20% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.97% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $17 | $5K | 4.31% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720-A ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $98 | $0 | $98 | 0.08% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.32% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $17 | $6K | 7.43% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $88 | $0 | $88 | 0.11% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 863 FAIRFAX, VA 22030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.80% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $17 | $2K | 5.45% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720A ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $181 | $0 | $181 | 0.41% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 20 S KING STREET LEESBURG, VA 20175 | METLIFE LEGAL PLANS | $4K | $0 | $4K | 9.28% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $204 | $2K | 8.35% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $529 | $0 | $529 | 2.20% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS RELATED SERVICES | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Claims processing; Non-monetary compensation; Named fiduciary; Float revenue Service code 12 | — | $1.2M |
| THE BALDWIN GROUP MID-ATLANTIC BROKER | Insurance agents and brokers Service code 22 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | $206K |
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 | 1,234 | 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) | 1,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,772 | $955K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,234 | $361K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,234 | $320K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,234 | $220K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,666 | $1.2M |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,425 | $668K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,772 | — |
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.