| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $76K | — | $76K | 8.69% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $53K | — | $53K | 6.13% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA | THE CAPITAL GROUP 2720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | STARMOUNT LIFE INSURANCE COMPANY | $38K | $5K | $42K | 9.29% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $23K | $226 | $23K | 5.07% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $404 | $10K | 2.15% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA | THE CAPITAL GROUP 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $2K | $23K | 13.95% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.28% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $189 | $5K | 3.28% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | — | TRIPLE S SALUD INC | $4K | — | $4K | 2.50% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA | THE CAPITAL GROUP 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $1K | $19K | 16.54% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $980 | $7K | 6.16% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $136 | $4K | 3.93% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA | THE CAPITAL GROUP 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $16K | 15.63% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $935 | $6K | 5.90% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $109 | $4K | 3.70% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFITS DBA GIS COMMUNICATIONS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 15.28% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA THE | CAPITAL GROUP 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.37% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFITS DBA GIS COMMUNICATIONS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $7K | — | $7K | 11.31% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | UNUM INSURANCE COMPANY | $2K | $196 | $2K | 3.56% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $964 | — | $964 | 1.62% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFITS DBA GIS COMMUNICATIONS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $6K | — | $6K | 16.41% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA | THE CAPITAL GROUP 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM INSURANCE COMPANY | $2K | $133 | $2K | 5.08% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $824 | — | $824 | 2.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ASO CLAIMS ADMIN | Non-monetary compensation; Claims processing; Participant communication; Contract Administrator; Named fiduciary; Direct payment from the plan; Other services; Float revenue Service code 12 | — | $365K |
| GOVERNMENT SERVICE CONTRACTORS EIN 11-3335620 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $181K |
| PLANTE & MORAN PLLC EIN 38-1357951 AUDITOR | Accounting (including auditing) Service code 10 | — | $26K |
| WILMINGTON TRUST EIN 16-1486454 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $10K |
| ARMFIELD HARRISON & THOMAS LLC EIN 54-0654623 BROKER | Other commissions Service code 55 | — | $0 |
| CIGNA | Direct payment from the plan; Float revenue; Other services; Contract Administrator; Participant communication; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | — | $0 |
| THE CAPITAL GROUP INC EIN 54-0654623 BROKER | Other commissions Service code 55 | — | $0 |
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 | 1,183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD INC | 12 | $147K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 638 | $457K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 638 | $457K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $165K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $165K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $165K |
| Prescription drug | TRIPLE S SALUD INC | 12 | $147K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 760 | $870K |
| Other(7 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 357 | $686K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 760 | — |
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.