| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS | 20 S KING STREET LEESBURG, VA 20175 | CFMI | $46K | $0 | $46K | 4.52% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER AND STROHL ADMIN SERVICES | 501 FAIRMOUNT AVENUE SUITE 400 TOWSON, MD 21284 | CFMI | $0 | $7K | $7K | 0.74% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | CFMI | $5K | $0 | $5K | 0.48% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | 20 SOUTH KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $2K | $13K | 6.49% |
| LOCKTON COMPANIES, LLC3 | PO BOX 417484 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.72% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET SUITE 900 KANSAS CITY, MO 64112 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $496 | $496 | 0.25% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CFMI | 108 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $199K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $199K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $199K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $199K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $199K |
| Prescription drug | CFMI | 108 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.