| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 | 6720 B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | SUNLIFE ASSURANCE COMPANY OF CANADA | $1K | $0 | $1K | 3.43% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MA 21771 | SUNLIFE ASSURANCE COMPANY OF CANADA | $400 | $959 | $1K | 3.20% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | SUNLIFE ASSURANCE COMPANY OF CANADA | $131 | $315 | $446 | 1.05% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | SUNLIFE ASSURANCE COMPANY OF CANADA | $133 | $0 | $133 | 0.31% |
| MATTHEW L MASONE3 | 20 S KING ST LEESBURG, MD 20175 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $351 | $0 | $351 | 2.50% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720 B ROCKLEDGE DRIVE, SUITE 400 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $671 | $0 | $671 | 7.98% |
| EBSME LLC3 Filed as: EBSME, LLC | PO BOX 120 MOUNT AIRY, MD 21771 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $192 | $0 | $192 | 2.28% |
| SALT MARGIN3 | 5803 BROADMOOR ST ALEXANDRIA, VA 22315 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $59 | $0 | $59 | 0.70% |
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 | 135 | 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) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUNLIFE ASSURANCE COMPANY OF CANADA | 89 | $43K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 128 | $8K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 135 | $14K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 135 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.