| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL GROUP LLC | 6720B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | AMERITAS LIFE INSURANCE CORPORATION | $8K | $0 | $8K | 9.09% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS | SALT MARGIN 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | AMERITAS LIFE INSURANCE CORPORATION | $5K | $250 | $5K | 5.77% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | TRANSANERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 46.86% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | TRANSANERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 26.43% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | SYMETRA LIFE INSURANCE COMPANY | $7K | $285 | $7K | 262.68% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | UNUM INSURANCE COMPANY | $273 | $0 | $273 | 11.98% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING ST LEESBURG, VA 20175 | UNUM INSURANCE COMPANY | $182 | $15 | $197 | 8.65% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | UNUM INSURANCE COMPANY | $263 | $1 | $264 | 12.05% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLAND DR BETHESDA, MD 20817 | UNUM INSURANCE COMPANY | $175 | $15 | $190 | 8.67% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | UNUM INSURANCE COMPANY | $186 | $0 | $186 | 12.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING ST LEESBURG, VA 20175 | UNUM INSURANCE COMPANY | $124 | $10 | $134 | 8.65% |
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 | 231 | 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) | 231 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 105 | $93K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 105 | $93K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $3K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $3K |
| Other(5 contracts, 3 carriers) | TRANSANERICA LIFE INSURANCE COMPANY | 48 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
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.