| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | AETNA LIFE INSURANCE CO. AND AFFILIATES | $86K | $17K | $103K | 4.28% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | AETNA LIFE INSURANCE CO. | — | $29 | $29 | 0.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 5.87% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 3.30% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | -$4K | — | -$4K | -1.47% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.19% |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 388 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. AND AFFILIATES | 338 | $5.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 300 | $263K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 312 | $63K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 775 | $1.1M |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 775 | $1.1M |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 775 | $1.1M |
| Prescription drug(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. AND AFFILIATES | 338 | $5.0M |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 775 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 775 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.