| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $43K | $5K | $48K | 3.83% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 10.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 10.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | DELTA DENTAL INSURANCE COMPANY | $4K | — | $4K | 3.50% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL INS. CO. | $5K | — | $5K | 6.61% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | LINCOLN NATIONAL INS. CO. | $2K | — | $2K | 3.17% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $2K | — | $2K | 3.39% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER & STROHL ADM SERVICES | 12404 PARK CENTRAL DR. SUITE 400 DALLAS, TX 75251 | GHMSI/CFMI | — | $2K | $2K | 8.72% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | GHMSI/CFMI | $350 | — | $350 | 1.46% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL INS. CO. | $2K | — | $2K | 15.00% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 214 | $1.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 327 | $552K |
| Vision | GHMSI/CFMI | 362 | $24K |
| Life insurance(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $634K |
| Short-term disability | LINCOLN NATIONAL INS. CO. | 234 | $52K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 234 | $218K |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | 214 | $1.7M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $634K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.