| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | AETNA LIFE INSURANCE CO. | $42K | $322 | $42K | 4.48% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | AETNA LIFE INSURANCE CO. | $12K | — | $12K | 4.22% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 18.38% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $959 | $5K | 18.66% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 S KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.12% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $817 | $4K | 18.40% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $530 | $2K | 25.12% |
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 | 167 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | AETNA LIFE INSURANCE CO. | 240 | $1.2M |
| Vision | AETNA LIFE INSURANCE CO. | 240 | $948K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $48K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $26K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $34K |
| Prescription drug(2 contracts) | AETNA LIFE INSURANCE CO. | 240 | $1.2M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 167 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.