| 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 | $112K | — | $112K | 13.72% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | STARMOUNT LIFE INSURANCE COMPANY | $39K | $10K | $49K | 10.16% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $23K | $5K | $28K | 5.87% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | STARMOUNT LIFE INSURANCE COMPANY | $10K | — | $10K | 2.04% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 12.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $4K | $9K | 8.27% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.76% |
| IKON BENEFITS GROUP, INC.3 Filed as: IKON BENEFITS GROUP INC | — | TRIPLE S SALUD INC | $2K | — | $2K | 2.50% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 15.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $3K | $7K | 8.31% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.32% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 16.40% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $6K | 9.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.60% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $5K | $61 | $5K | 11.31% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM INSURANCE COMPANY | $1K | $216 | $2K | 3.25% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 33.24% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.30% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $5K | $20 | $5K | 20.88% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM INSURANCE COMPANY | $1K | $72 | $1K | 5.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ASO CLAIMS ADMIN | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | — | $242K |
| GOVERNMENT SERVICE CONTRACTORS EIN 11-3335620 RECORDKEEPER | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $164K |
| PLANTE & MORAN PLLC EIN 38-1357951 AUDITOR | Accounting (including auditing) Service code 10 | — | $34K |
| CIGNA | Other services; Float revenue; Direct payment from the plan; Contract Administrator; Participant communication; Named fiduciary; Claims processing; Non-monetary compensation 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 | 1,180 | 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) | 1,181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRIPLE S SALUD INC | 17 | $90K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 714 | $479K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 714 | $479K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $114K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $114K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $114K |
| Prescription drug | TRIPLE S SALUD INC | 17 | $90K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 780 | $818K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 329 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.