| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SERVICES | 12404 PARK CENTRAL DRIVE DALLAS, TN 75251 | INNOVATION HEALTH | $10K | $0 | $10K | 0.77% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FINANCIAL SERVICE | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | AETNA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.64% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP, LLC | 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $613 | $0 | $613 | 0.10% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 6720-B ROCKLEDGE DRIVE BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $211 | $0 | $211 | 0.03% |
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | DELTA DENTAL OF VIRGINIA | $6K | $0 | $6K | 4.60% |
| DANIELE DELUCA3 | 12032 WINE SAP TR GAITHERSBURG, MD 20878 | DELTA DENTAL OF VIRGINIA | $991 | $0 | $991 | 0.81% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $182 | $2K | 12.23% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE CAPITAL GROUP, LLC BROKER | Insurance agents and brokers Service code 22 | 6720B ROCKLEDGE DRIVE BETHESDA, MD 20817 | $59K |
| ARMFIELD HARRISON & THOMAS LLC BROKER | Insurance agents and brokers Service code 22 | 6720B ROCKLEDGE DRIVE BETHESDA, MD 20817 | $20K |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INNOVATION HEALTH | 274 | $1.9M |
| Dental | DELTA DENTAL OF VIRGINIA | 277 | $122K |
| Vision | AETNA LIFE INSURANCE COMPANY | 274 | $616K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 288 | $13K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 288 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
No prospect flags tripped on this filing.