| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHENS INSURANCE LLC3 | 111 CENTER ST FL 14 LITTLE ROCK, AR 722014402 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $3K | $14K | 11.05% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217717774 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.01% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC DBA | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | METROPOLITAN LIFE INSURANCE COMPANY | $373 | $64 | $437 | 0.33% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST FL 14 C/O ACCOUNTING LITTLE ROCK, AR 722014402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $153 | $153 | 0.12% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC INC | 20 SOUTH KING STREET LEESBURG, VA 201753023 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.01% |
| STEPHENS INSURANCE LLC3 | PO BOX 3507 LITTLE ROCK, AR 722033507 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 17.94% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 SOUTH KING STREET LEESBURG, VA 20175 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 5.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | PO BOX 1087 WAUSAU, WI 544021087 | $86K |
| STEPHENS INSURANCE, LLC EIN 20-5068534 BROKER | Other commissions Service code 55 | 111 CENTER ST LITTLE ROCK, AR 72201 | $26K |
| INNOVATIVE CAPTIVE STRATEGIES EIN 26-2763468 BROKER | Other commissions Service code 55 | 2727 GRAND PRAIRE PARKWAY WAUKEE, IA 50263 | $22K |
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 | 372 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $131K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $131K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 119 | $29K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 0 | $192K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 372 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
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.