| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID-ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 2.94% |
| MILLENGROUP LLC3 | 7501 BOULDER VIEW DR - STE 220 NORTH CHESTERFIELD, VA 23225 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.06% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMOUNT AVE - FL 5 BALTIMORE, MD 21286 | PRINCIPAL LIFE INSURANCE COMPANY | -$80 | — | -$80 | -0.09% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.14% |
| JOHN BENSON MILLEN III3 Filed as: JOHN MILLEN III | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $536 | — | $536 | 1.25% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.86% |
| JOHN BENSON MILLEN III3 Filed as: JOHN MILLEN III | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $466 | — | $466 | 1.24% |
| JOHN BENSON MILLEN III3 Filed as: JOHN MILLEN III | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 4.89% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.89% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57 | — | $57 | 1.91% |
| JOHN BENSON MILLEN III3 Filed as: JOHN MILLEN III | 7812 ROCK CRESS DRIVE MOSELEY, VA 23120 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33 | — | $33 | 1.11% |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 226 | $92K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $27K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $46K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $37K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 177 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.