| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720-B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | SYMETRA LIFE INSURANCE COMPANY | $19K | $12K | $32K | 26.92% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 145 W OSTEND SUITE 200 BALTIMORE, MD 21230 | SYMETRA LIFE INSURANCE COMPANY | $8K | — | $8K | 6.76% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR SUITE 400 BETHESDA, MD 208171885 | AMERITAS LIFE INSURANCE | $4K | — | $4K | 4.82% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 9600 BLACKWELL RD SUITE 3655 ROCKVILLE, MD 208503655 | AMERITAS LIFE INSURANCE | $3K | — | $3K | 3.58% |
| AREFIELD HARRISON & THOMAS INC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | AMERITAS LIFE INSURANCE | $1K | — | $1K | 1.60% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720-B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | SYMETRA LIFE INSURANCE COMPANY | $9K | — | $9K | 30.23% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR SUITE 200 HUNT VALLEY, MD 21030 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 15.03% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | P.O. BOX 120 MT. AIRY, MD 21771 | SYMETRA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.08% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE | 99 | $80K |
| Vision | AMERITAS LIFE INSURANCE | 99 | $80K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 61 | $117K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 61 | $117K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 61 | $117K |
| Other(2 contracts) | SYMETRA LIFE INSURANCE COMPANY | 194 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.