| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $2K | $50K | 11.97% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 17.44% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 800 FAIRFAX, VA 22030 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.07% |
| MID ATLANTIC BENEFITS GROUP LLC3 Filed as: MID ATLANTIC BENEFITS GROUP LLC DBA | 203 MARKET STREET SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.13% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $607 | $0 | $607 | 5.99% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $501 | $0 | $501 | 4.94% |
| ARMFIELD HARRISON & THOMAS3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $621 | $0 | $621 | 15.00% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $430 | $0 | $430 | 11.98% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $99 | $99 | 2.76% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $316 | $0 | $316 | 10.65% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $82 | $82 | 2.76% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $134 | $0 | $134 | 11.67% |
| AON CONSULTING INC3 Filed as: BSWIFT | 10 S RIVERSIDE PLAZA SUITE 1100 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $32 | $32 | 2.79% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CARRIER | Float revenue; Other services; Direct payment from the plan; Participant communication; Non-monetary compensation; Named fiduciary; Claims processing; Contract Administrator Service code 12 | — | $26K |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 173 | $421K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 173 | $421K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 149 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $4K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 19 | $19K |
| Other(6 contracts, 3 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 80 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.