| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SERVICES INTEGRATION INC3 Filed as: BENEFIT SERVICES INTEGRATION, INC. | W MAIN ST SALEM, VA 24153 | AETNA LIFE INSURANCE CO | $18K | $0 | $18K | 9.87% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION INC. | PO BOX 704 RADFORD, VA 24143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.20% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.80% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION INC. | PO BOX 704 RADFORD, VA 24143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.20% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.80% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION INC. | PO BOX 704 RADFORD, VA 24143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.88% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $800 | $0 | $800 | 2.12% |
| BENEFIT SERVICES INTEGRATION INC3 Filed as: BENEFIT SERVICES INTEGRATION INC. | PO BOX 704 RADFORD, VA 24143 | EYEMED VISION CARE | $3K | $0 | $3K | 9.96% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION INC. | PO BOX 704 RADFORD, VA 24143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.23% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $365 | $0 | $365 | 1.78% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION INC. | PO BOX 704 RADFORD, VA 24143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.19% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $495 | $0 | $495 | 2.81% |
| BENEFIT SERVICE INTEGRATION INC3 Filed as: BENEFIT SERVICE INTEGRATION INC. | PO BOX 704 RADFORD, VA 24143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 12.38% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 6720B RODKLEDGE DR STE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $439 | $0 | $439 | 2.62% |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO | 506 | $186K |
| Vision | EYEMED VISION CARE | 495 | $34K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $21K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $78K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $88K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | INNOVATION HEALTH | 158 | $402K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 342 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.