| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $13K | $16K | 2.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 21030 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $8K | $9K | 1.17% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, INC | 20 S KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $304 | $1K | $2K | 0.23% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 1.62% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 1511 BALTIMORE 2ND FLOOR KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $13K | $3K | $16K | 24.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN | Named fiduciary; Contract Administrator; Non-monetary compensation; Claims processing; Participant communication; Float revenue; Direct payment from the plan; Other services Service code 12 | — | $3K |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 74 | $777K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 74 | $777K |
| Vision | EYEMED VISION CARE | 123 | $6K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 110 | $99K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 110 | $99K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 110 | $99K |
| Other(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 110 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.