| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITEDHEALTHCARE INS. CO. | $1K | $39K | $41K | 3.17% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $16K | — | $16K | 8.96% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | DELTA DENTAL OF VIRGINIA | $4K | — | $4K | 4.60% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $3K | $2K | $5K | 9.53% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $3K | $1K | $4K | 16.99% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $1K | $501 | $2K | 14.45% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $1K | $269 | $1K | 18.89% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INS. CO. | 224 | $1.5M |
| Dental | DELTA DENTAL OF VIRGINIA | 220 | $83K |
| Vision | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1 | $179K |
| Life insurance(3 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 143 | $241K |
| Short-term disability | LINCOLN NATIONAL LIFE INS. CO. | 27 | $11K |
| Long-term disability | LINCOLN NATIONAL LIFE INS. CO. | 115 | $26K |
| Prescription drug(2 contracts, 2 carriers) | UNITEDHEALTHCARE INS. CO. | 224 | $1.5M |
| Other(4 contracts, 3 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 1,022 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,022 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.