| 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 | $79K | $111 | $79K | 3.50% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADMINISTRATIVE SERV | 501 FAIRMOUNT AVE SUITE 400 TOWSON, MD 21284 | CAREFIRST BLUE CHOICE | — | $17K | $17K | 0.74% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | GUARDIAN | $17K | — | $17K | 4.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SERV | 4851 LBJ FWY SUITE 100 DALLAS, TX 75244 | VISION SERVICE PLAN | $2K | — | $2K | 5.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | VISION SERVICE PLAN | $1K | — | $1K | 4.73% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INS CO | $501 | — | $501 | 10.01% |
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 | 309 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUE CHOICE | 593 | $2.2M |
| Dental | GUARDIAN | 332 | $347K |
| Vision | VISION SERVICE PLAN | 183 | $30K |
| Life insurance | GUARDIAN | 332 | $347K |
| Short-term disability | GUARDIAN | 332 | $347K |
| Long-term disability | GUARDIAN | 332 | $347K |
| Prescription drug | CAREFIRST BLUE CHOICE | 593 | $2.2M |
| Other | GUARDIAN | 332 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 593 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.