| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $76K | — | $76K | 4.49% |
| 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 | — | $89 | $89 | 0.01% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | $22K | — | $22K | 13.31% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | — | $4K | $4K | 2.41% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $54 | $3K | 18.22% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $745 | $2K | 9.76% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 5.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VIRGINI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $986 | $20 | $1K | 5.35% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | METLIFE LEGAL PLANS | $1K | — | $1K | 9.19% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $45 | $3K | 22.08% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $739 | $464 | $1K | 10.15% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN. | P.O. BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $739 | $739 | 6.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VIRGINI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $384 | $15 | $399 | 3.37% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $36 | $2K | 20.56% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $602 | $394 | $996 | 10.41% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFIT ADMIN. | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | — | $602 | $602 | 6.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VIRGINI | 11220 ASSETT LOOP SUITE 304 MANASSAS, VA 20109 | METROPOLITAN LIFE INSURANCE COMPANY | $477 | $9 | $486 | 5.08% |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 322 | $1.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 322 | $1.7M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 322 | $1.7M |
| Life insurance | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | 232 | $164K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | 232 | $164K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INS. CO. OF AMERICA | 232 | $164K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 322 | $1.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 53 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.