| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $81K | $81K | 5.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | METROPOLITAN LIFE INS. CO. | $5K | — | $5K | 2.79% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $4K | $390 | $4K | 3.14% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $5K | $164 | $5K | 7.92% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $7K | $141 | $7K | 15.31% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | VISION SERVICE PLAN | $2K | — | $2K | 4.64% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $3K | $94 | $3K | 8.09% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INS. CO. | $1K | $25 | $1K | 15.32% |
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 | 291 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $1.6M |
| Dental | METROPOLITAN LIFE INS. CO. | 433 | $190K |
| Vision | VISION SERVICE PLAN | 240 | $39K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 293 | $79K |
| Short-term disability | LINCOLN NATIONAL LIFE INS. CO. | 293 | $143K |
| Long-term disability | LINCOLN NATIONAL LIFE INS. CO. | 293 | $60K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $1.6M |
| Other(3 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 293 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 433 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.