| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | SYMETRA LIFE INSURANCE COMPANY | $19K | $10K | $29K | 20.00% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | SYMETRA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.47% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL GROUP LLC | 6720B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | AMERITAS | $5K | $0 | $5K | 5.79% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS | SALT MARGIN 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | AMERITAS | $5K | $0 | $5K | 5.50% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $160 | $2K | 13.20% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 6720B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $133 | $1K | 8.99% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS | STE 250 280 E 96TH ST INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 75.59% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | STE 201 203 MARKET ST HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $150 | $2K | 12.50% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $981 | $122 | $1K | 8.50% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $833 | $0 | $833 | 11.27% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 6720B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $555 | $70 | $625 | 8.45% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS | 280 E 96TH ST STE 250 INDIANAPOLIS, IN 46240 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $0 | $0 | 0.00% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS | 98 | $87K |
| Vision | AMERITAS | 98 | $87K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 1 | $146K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 1 | $146K |
| Other(5 contracts, 3 carriers) | SYMETRA LIFE INSURANCE COMPANY | 41 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 98 | — |
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.