| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIFETIME BENEFITS LLC3 | 843 QUINCE ORCHARD BLVD STE E GAITHERSBURG, MD 29878 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 6.60% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH STREET STE 500 ROCKVILLE, MD 20850 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.62% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR SUITE 100 COLUMBIA, MD 21046 | GUARDIAN | $18K | $2K | $20K | 11.63% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | GUARDIAN | $6K | — | $6K | 3.54% |
| MARSH & MCLENNAN AGENCY LLC3 | ONE CHURCH ST STE 500 ROCKVILLE, MD 20850 | GUARDIAN | $2K | — | $2K | 1.42% |
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 | 108 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $437K |
| Dental | GUARDIAN | 120 | $170K |
| Vision | GUARDIAN | 120 | $170K |
| Short-term disability | GUARDIAN | 120 | $170K |
| Long-term disability | GUARDIAN | 120 | $170K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.