| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | UNITED HEALTH INSURANCE COMPANY | $433 | — | $433 | 0.02% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED HEALTH INSURANCE COMPANY | $218 | — | $218 | 0.01% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $33K | $1K | $34K | 10.24% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE, INC. | 1500 RIVERFRONT DRIVE LITTLE ROCK, AR 72202 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $3K | $8K | 2.26% |
| REGIONS INSURANCE INC3 Filed as: REGIONS INSURANCE | 2701 ALBRIGHT ROAD KOKOMO, IN 46902 | DELTA DENTAL PLAN OF ARKANSAS | — | — | $0 | 0.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VT 20175 | DELTA DENTAL PLAN OF ARKANSAS | — | — | $0 | 0.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOC. INC. | 1655 RICHMOND AVE STATEN ISLAND, NY 103142157 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $10K | — | $10K | 30.00% |
| AH&T BROKERS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOC., INC. | 1655 RICHMOND AVE. STATON ISLAND, NY 10314 | NATIONAL UNION FIRE INS. CO. OF PITTSBURCH, PA | $3K | — | $3K | 30.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | EYEMED VISION CARE | $442 | — | $442 | 6.64% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $229 | — | $229 | 15.01% |
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 | 225 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTH INSURANCE COMPANY | 378 | $2.5M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 354 | $563K |
| Vision | EYEMED VISION CARE | 163 | $7K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 225 | $333K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 225 | $333K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 225 | $333K |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH & LIFE INSURANCE CO. | 499 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.