| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.84% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.65% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.31% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $173 | $0 | $173 | 0.05% |
| THE CAPITAL GROUP LLC3 Filed as: CAPITAL GROUP | 6720-B ROCKLEDGE DRIVE, STE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.51% |
| EBSME LLC3 | PO BOX 120 MOUNT AIRY, MD 21771 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.22% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 SOUTH KING ST LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.15% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.40% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | 6.54% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.11% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $375 | $0 | $375 | 0.49% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR STE 400 BETHESDA, MA 20817 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS LLC | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 6.47% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.12% |
| EBSME LLC3 | PO BOX 120 MT AIRY, MD 21771 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $480 | $0 | $480 | 0.88% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 20.20% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $637 | $4K | 12.20% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.07% |
| CHAN, RAYMOND3 | 11350 RANDOM HILLS RD FAIRFAX, VA 22030 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 11.07% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $574 | $4K | 17.50% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $342 | $2K | 11.47% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $176 | $2K | 9.35% |
| GIS BENEFITS INC3 | 422 WAUPONSEE MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $925 | $64 | $989 | 5.35% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 SOUTH KING ST LEESBURG, VA 20175 | STARMOUNT LIFE INSURANCE COMPANY | $666 | $38 | $704 | 3.81% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | 280 E. 96TH ST STE 250 INDIANAPOLIS, IN 46240 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.50% |
| CHAN, RAYMOND3 | 11350 RANDOM HILLS RD FAIRFAX, VA 22030 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 8.50% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRVE STE 400 BETHESDA, MA 20817 | ARAG INSURANCE COMPANY | $849 | $0 | $849 | 10.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74 | $0 | $74 | 1.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE CAPITAL GROUP, LLC BROKER | Insurance agents and brokers Service code 22 | 6720-B ROCKLEDGE DRIVE, STE 400 BETHESDA, MD 20817 | $111K |
| CAREFIRST EIN 52-1187907 ADMIN | Claims processing Service code 12 | — | $83K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $61K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $12K |
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 | 405 | 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) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 231 | $115K |
| Vision(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 232 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $349K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 57 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 403 | $76K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 234 | $468K |
| Other(9 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 405 | $529K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.