| 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 | $15K | 11.85% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC DBA | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $12 | $3K | 2.43% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST FL 14 LITTLE ROCK, AR 722014402 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.87% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $447 | $447 | 0.35% |
| EBSME LLC3 | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | METROPOLITAN LIFE INSURANCE COMPANY | -$17 | $294 | $277 | 0.22% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC DBA | 20 SOUTH KING STREET LEESBURG, VA 201753023 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47 | $47 | 0.04% |
| 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 | $2K | — | $2K | 5.06% |
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. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $128K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $128K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $128K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 124 | $30K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 0 | $206K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 232 | $137K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.