| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGCY & FIN SVCS | 12404 PARK CENTRAL DRIVE, STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $23K | $23K | 1.73% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $18K | $21K | 1.61% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $16K | $20K | 1.48% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN, LLC | 4740 CORRIDOR PLACE SUITE B BETTSVILLE, MD 20705 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.75% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $303 | $2K | 5.47% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $875 | — | $875 | 1.97% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $63 | $2K | 5.17% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $932 | — | $932 | 2.21% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $185 | $3K | 9.08% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 3.66% |
| SHANNON & LUCHS INSURANCE3 | 400 PROFESSIONAL RD, SUITE 360 GAITHERSBURG, MD 20879 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $392 | — | $392 | 4.44% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $286 | — | $286 | 3.24% |
| BENEFIT MALL3 | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $98 | — | $98 | 1.11% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $413 | $5 | $418 | 8.35% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $317 | — | $317 | 6.33% |
| ENROLLEASE3 Filed as: GOLDEN & COHEN LLC | 4740 CORRIDOR PLACE SUITE B BELTSVILLE, MD 20705 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21 | — | $21 | 4.33% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16 | — | $16 | 3.30% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5 | — | $5 | 1.03% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 153 | $1.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 153 | $1.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 153 | $1.3M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $51K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $28K |
| Prescription drug | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 11 | $222K |
| Other(6 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
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.