| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE BENEFIT CONSULTANTS3 Filed as: EMPLOYEE BENEFIT CONSULTANTS, INC | PO BOX 670 RICHLANDS, VA 24641 | SYMETRA LIFE INSURANCE COMPANY | $16K | — | $16K | 10.81% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | PO BOX 120 MT AIRY, MD 21771 | SYMETRA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 6.71% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | PO BOX 120 MT AIRY, MD 21771 | SYMETRA LIFE INSURANCE COMPANY | $5K | — | $5K | 3.12% |
| ROBERT ASHLEY & ASSOCIATES INC3 | 311 FALLS DR NW ABINGDON, VA 242108093 | VISION SERVICE PLAN | $1K | — | $1K | 5.19% |
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 | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 122 | $23K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 173 | $149K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 173 | $149K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 173 | $149K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 173 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.