| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 S KING STREET LEESBURG, VA 20175 | CAREFIRST OF MARYLAND, INC. | $0 | $12K | $12K | 5.09% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 Filed as: EMPLOYEE BENEFITS CORPORATION OF AM | 1430 SPRING HILL ROAD SUITE 320 MCLEAN, VA 22102 | CAREFIRST OF MARYLAND, INC. | $0 | $1K | $1K | 0.50% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 12404 PARK CENTRAL DRIVE SUITE 400 DALLAS, TX 75251 | CAREFIRST OF MARYLAND, INC. | $0 | $422 | $422 | 0.18% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA CAPI | ARMFIELD HARRISON THOMAS BETHESDA, MD 20817 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA SALT | ARMFIELD HARRISON THOMAS MOUNT AIRY, MD 21771 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $32 | $2K | $2K | 5.05% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS DBA CAPI | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $17 | $1K | 3.70% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | METROPOLITAN LIFE INSURANCE COMPANY | $475 | $17 | $492 | 1.53% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $166 | $166 | 0.52% |
| MALDEN SOLUTIONS LLC3 | 6100 CHEVY CHASE DRIVE SUITE 105 LAUREL, MD 20707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 13.32% |
| LORI ANN DEAN3 | 825 PLEASANT HILL LANE BOWIE, MD 20716 | CONTINENTAL AMERICAN INSURANCE COMPANY | $843 | $0 | $843 | 11.06% |
| LILLIAN A NASH3 Filed as: LILLIAN AMANDA NASH | 10718 TRAFTON DRIVE UPPER MARLBORO, MD 20774 | CONTINENTAL AMERICAN INSURANCE COMPANY | $300 | $0 | $300 | 3.94% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 S KING STREET LEESBURG, VA 20175 | CONTINENTAL AMERICAN INSURANCE COMPANY | $199 | $0 | $199 | 2.61% |
| JOSHUA M PINCUS SOKOLOFF3 Filed as: JOSHUA MARK PINCUS-SOKOLIFF | 1474 STEVENSON STREET BALTIMORE, MD 21230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $174 | $0 | $174 | 2.28% |
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 | 95 | 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) | 95 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 19 | $228K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 52 | $32K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 52 | $32K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 95 | $63K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 95 | $63K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 95 | $63K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 95 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 95 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.