| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | — | $17K | 9.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | 721 S PARKER ST STE 300 ORANGE, CA 92868 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $6K | $6K | 3.48% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | — | $4K | 4.83% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | 701 S PARKER ST ORANGE, CA 92868 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $868 | $451 | $1K | 4.64% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214 DIAMOND HTS BLVD#1152 SAN FRANCISCO, CA 94131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $301 | $301 | 1.06% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | 701 S PARKER ST ORANGE, CA 92868 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $698 | $413 | $1K | 4.66% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214 DIAMOND HTS BLVD #1152 SAN FRANCISCO, CA 94131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $187 | $187 | 0.79% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | KAISER FOUNDATION HEALTH PLAN INC | $871 | — | $871 | 5.04% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | 701 S PARKER ST ORANGE, CA 92868 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $505 | $263 | $768 | 4.65% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5213 DIAMOND HTS BLVD#1152 SAN FRANCISCO, CA 94131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $176 | $176 | 1.07% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $877 | — | $877 | 9.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | 701 S PARKER ST ORANGE, CA 92868 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $283 | $136 | $419 | 4.48% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5213 DIAMOND HTS BLVD #1152 SAN FRANCISCO, CA 94131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $59 | $59 | 0.63% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 13 | $100K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $168K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $168K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $24K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $17K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $28K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 13 | $100K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 147 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
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.