| 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 | $13K | $4K | $16K | 15.63% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC DBA | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $17 | $3K | 2.62% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC DBA | 20 S KING ST LEESBURG, VA 201753023 | METROPOLITAN LIFE INSURANCE COMPANY | — | $250 | $250 | 0.24% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | $203 | — | $203 | 0.19% |
| STEPHENS INSURANCE LLC3 | 111 CENTER ST SUITE 1410 LITTLE ROCK, AR 72201 | RELIANCE STANDARD | $9K | $38 | $9K | 20.08% |
| AVANT SPECIALTY BENEFITS LLC3 | 1828 WALNUT STREET SUITE 801 KANSAS CITY, MO 64108 | RELIANCE STANDARD | $2K | — | $2K | 5.00% |
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 | 210 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $105K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $105K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $152K |
| Short-term disability | RELIANCE STANDARD | 105 | $47K |
| Long-term disability | RELIANCE STANDARD | 105 | $47K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 0 | $230K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 210 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.