| 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 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $20K | 12.78% |
| GIS BENEFITS INC3 | 18940 N PIMA RD STE 210 MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $13K | $13K | 8.32% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $2K | $7K | 4.26% |
| FREESTONE FINANCIAL LLC3 | 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 2.67% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6500 ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $2K | $10K | 6.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $4K | $10K | 6.71% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 20 S KING ST LEESBURG, VA 20175 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $542 | $3K | 2.24% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $241 | $5K | 43.14% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 20 S KING ST STE 500 LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $64 | $2K | 14.27% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $637 | $0 | $637 | 5.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $234 | $2K | 13.13% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 20 S KING ST LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $624 | $0 | $624 | 5.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $468 | $0 | $468 | 3.75% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $221 | $5K | 39.41% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 20 S KING ST LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $60 | $2K | 13.03% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $585 | $0 | $585 | 5.00% |
| METZLER GROUP INC3 Filed as: METZLER | 6500 ROCK SPRING DR STE 500 BETHESDA, MD 20817 | CIGNA | $0 | $0 | $0 | — |
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 | 215 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 188 | $145K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 188 | $145K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 215 | $153K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 215 | $153K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 215 | $153K |
| Other(5 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 215 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.