| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | CAREFIRST BLUE CHOICE | $62K | $24K | $85K | 4.85% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21284 | CAREFIRST BLUE CHOICE | — | $18K | $18K | 1.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FINANCIAL SERVICES | 4851 LBJ FWY SUITE 1100 DALLAS, TX 75244 | METROPOLITAN LIFE INS. CO. | $4K | $2K | $6K | 3.62% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | METROPOLITAN LIFE INS. CO. | $4K | $695 | $5K | 3.09% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | SUN LIFE ASSURANCE CO. OF CANADA | $13K | — | $13K | 9.99% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | VISION SERVICE PLAN | $1K | — | $1K | 5.23% |
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 | 260 | 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) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST BLUE CHOICE | 490 | $1.8M |
| Dental | METROPOLITAN LIFE INS. CO. | 658 | $166K |
| Vision | VISION SERVICE PLAN | 152 | $23K |
| Life insurance | SUN LIFE ASSURANCE CO. OF CANADA | 260 | $126K |
| Short-term disability | SUN LIFE ASSURANCE CO. OF CANADA | 260 | $126K |
| Long-term disability | SUN LIFE ASSURANCE CO. OF CANADA | 260 | $126K |
| Prescription drug | CAREFIRST BLUE CHOICE | 490 | $1.8M |
| Other | SUN LIFE ASSURANCE CO. OF CANADA | 260 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.