| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 6720-B ROCKLEDGE DRIVE SUITE 1200 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $74K | $0 | $74K | 11.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21286 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $32K | $32K | 4.88% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720-B ROCKLEDGE DRIVE SUITE 1200 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 0.95% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | $0 | $29K | 10.92% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | $10K | $20K | 7.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 MEDICAL CARRIER | Float revenue; Participant communication; Other services; Non-monetary compensation; Direct payment from the plan; Claims processing; Named fiduciary; Contract Administrator Service code 12 | — | $36K |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $657K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $261K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $261K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $261K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $261K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $261K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 191 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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.