| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 4.50% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN AGENCY OF VA INC. | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | — | $21K | 2.16% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | $8K | — | $8K | 7.51% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN AGENCY OF VA INC. | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | $7K | — | $7K | 6.48% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | — | $6K | $6K | 5.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY OF VA, IN | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 13.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $8K | 10.27% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 Filed as: BOON CHAPMAN BENEFIT ADMIN. | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 6.56% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $25 | $3K | 3.44% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $235 | $3K | 24.53% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $716 | $234 | $950 | 7.89% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $716 | $716 | 5.95% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $144 | $13 | $157 | 1.30% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $181 | $2K | 29.10% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $500 | $145 | $645 | 9.25% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN. | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $500 | $500 | 7.17% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $152 | $13 | $165 | 2.37% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS. AGENCY | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $159 | $1K | 29.64% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $344 | $135 | $479 | 10.09% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $344 | $344 | 7.25% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $127 | $13 | $140 | 2.95% |
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 | 138 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 202 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $75K |
| Life insurance | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | 138 | $108K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | 138 | $108K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | 138 | $108K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 202 | $980K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 218 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.