| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 3.50% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | METROPOLITAN LIFE INS. CO. | $5K | $2K | $7K | 3.15% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $4K | $253 | $4K | 3.33% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $9K | $134 | $9K | 15.23% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $5K | $114 | $5K | 8.82% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | VISION SERVICE PLAN | $942 | — | $942 | 2.88% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $3K | $76 | $3K | 8.17% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INS. CO. | $2K | $26 | $2K | 15.25% |
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 | 277 | 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) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 274 | $1.7M |
| Dental | METROPOLITAN LIFE INS. CO. | 465 | $223K |
| Vision | VISION SERVICE PLAN | 230 | $33K |
| Life insurance(3 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 275 | $102K |
| Short-term disability | LINCOLN NATIONAL LIFE INS. CO. | 275 | $125K |
| Long-term disability | LINCOLN NATIONAL LIFE INS. CO. | 275 | $53K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 274 | $1.7M |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 275 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 465 | — |
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."
No prospect flags tripped on this filing.