| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | INNOVATION HEALTH | $72K | $571 | $73K | 5.28% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | INNOVATION HEALTH | $18K | — | $18K | 5.13% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | METROPOLITAN LIFE INS. CO. | $3K | $82 | $3K | 1.92% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | AETNA HEALTH INC. | $3K | — | $3K | 5.22% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | AETNA LIFE INS. CO. | $2K | — | $2K | 5.06% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE CO. OF AMERICA | $6K | — | $6K | 19.10% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE CO. OF AMERICA | $4K | — | $4K | 22.26% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $1K | — | $1K | 9.98% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON THOMAS | 20 S KING ST LEESBURG, VA 20175 | THE LIFE INSURANCE COMPANY OF NORTH AMERICA | $822 | — | $822 | 10.00% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | INNOVATION HEALTH | 236 | $1.8M |
| Dental | METROPOLITAN LIFE INS. CO. | 415 | $164K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 228 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $68K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $32K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 126 | $43K |
| Prescription drug(4 contracts, 3 carriers) | INNOVATION HEALTH | 236 | $1.8M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE CO. OF AMERICA | 145 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.