| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 6.79% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $1K | $5K | 5.44% |
| THE CAPITAL GROUP LLC3 | 6720 B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | SUN LIFE ASSURANCE COMPANY OF CANADA | $694 | $0 | $694 | 0.82% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 17.72% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 4.49% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $188 | $192 | $380 | 0.46% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 21771 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $90 | $90 | 0.11% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $183 | $2K | 7.47% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, INC | 6720 B ROCKLEDGE DRIVE SUITE 400 BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $443 | $531 | $974 | 4.25% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE, LLC | 11350 RANDOM HILLS ROAD, SUITE 880 FAIRFAX, VA 22030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $443 | $0 | $443 | 1.93% |
| FINANCIAL BALANCE GROUP LLC3 | UNKNOWN CHANTILLY, VA 20151 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | $0 | $12 | 0.05% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $632 | $0 | $632 | 6.41% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DRIVE BETHESDA, MD 20817 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $276 | $0 | $276 | 2.80% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 102 | $85K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 176 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $82K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $82K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $82K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.