| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LINDSEY BUSINESS GROUP, LLC3 Filed as: LINDSEY BUSINESS GROUP LLC | 5870 TRINITY PARKWAY, SUITE 300 CENTREVILLE, VA 20120 | CAREFIRST BLUECHOICE | $22K | — | $22K | 3.22% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | CAREFIRST BLUECHOICE | $12K | $32 | $12K | 1.78% |
| POTOMAC BASIN GROUP ASSOCIATES LLC5 Filed as: POTOMAC BASIN GROUP ASSOC. LLC | 4740 CORRIDOR PLACE, SUITE B BELTSVILLE, MD 20705 | CAREFIRST BLUECHOICE | — | $4K | $4K | 0.63% |
| LINDSEY BUSINESS GROUP, LLC3 Filed as: LINDSEY BUSINESS GROUP LLC | 5180 PARKSTONE DR, SUITE 240 CHANTILLY, VA 20151 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.97% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $22 | $3K | 2.97% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $311 | — | $311 | 5.61% |
| LINDSEY BUSINESS GROUP, LLC3 Filed as: LINDSEY BUSINESS GROUP LLC | 5180 PARKSTONE DR, SUITE 240 CHANTILLY, VA 20151 | UNITED HEALTHCARE INSURANCE COMPANY | $294 | — | $294 | 5.30% |
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 | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUECHOICE | 206 | $694K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $86K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 73 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $86K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $86K |
| Prescription drug | CAREFIRST BLUECHOICE | 206 | $694K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 215 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.