| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $789 | $0 | $789 | 6.58% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $628 | $628 | 5.23% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $607 | $607 | 5.06% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $425 | $0 | $425 | 3.54% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $39 | $39 | 0.33% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $743 | $743 | 7.35% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $707 | $0 | $707 | 7.00% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $526 | $526 | 5.21% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $68 | $0 | $68 | 0.67% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $44 | $44 | 0.44% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.15% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $617 | $617 | 6.75% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $582 | $0 | $582 | 6.37% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BNFT ADMSTRS INC | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $470 | $470 | 5.14% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY PO BOX 120 MOUNT AIRY, MD 217710120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $65 | $65 | 0.71% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.38% |
| MID ATLANTIC BENEFITS GROUP LLC3 | 203 MARKET STREET STE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $105 | $0 | $105 | 1.83% |
| JOSEPH M BRZECZEK3 | 1012 W STATE COLLEGE RD STE 203 DOVER, DE 19904 | TRANSAMERICA LIFE INSURANCE COMPANY | $85 | $0 | $85 | 1.48% |
| JOHN J REITH3 Filed as: JOHN REITH | 7010 HOMELAND COURT PRINCE FREDERICK, MD 20678 | TRANSAMERICA LIFE INSURANCE COMPANY | $37 | $0 | $37 | 0.64% |
| JORDAN A PURCELL3 | 203 MARKET ST SUITE 201 HAVRE DE GRACE, MD 21078 | TRANSAMERICA LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.05% |
| KEVIN F FITZPATRICK3 | 6720 ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $182 | $0 | $182 | 6.58% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $98 | $0 | $98 | 3.54% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | P.O. BOX 9039 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $79 | $79 | 2.86% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $78 | $78 | 2.82% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $9 | $9 | 0.33% |
| KEVIN F FITZPATRICK3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $123 | $0 | $123 | 11.17% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $65 | $65 | 5.90% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $57 | $0 | $57 | 5.18% |
| BOON CHAPMAN BNFT ADMNSTRS INC3 | PO BOX 9201 AUSTIN, TX 78766 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $57 | $57 | 5.18% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY PO BOX 120 MOUNT AIRY, MD 217710120 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10 | $10 | 0.91% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.36% |
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 | 86 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 87 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 46 | $12K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $3K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 86 | $7K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $10K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 86 | — |
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.