| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $89K | $98K | 4.59% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 13.55% |
| IMG5 | 2960 N MERIDIAN ST INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $41 | $41 | 0.01% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 6.70% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $5K | — | $5K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | NATION UNION FIRE INS. CO. OF PITTSBURGH, PA | $923 | — | $923 | 15.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH, PA | $506 | — | $506 | 15.01% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | NATIONAL UNION FIRE INS. CO OF PITTSBURGH | $300 | — | $300 | 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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 416 | $2.4M |
| Dental(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 416 | $2.4M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 416 | $2.1M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 344 | $347K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 344 | $347K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 344 | $347K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 416 | $2.4M |
| Other(7 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 370 | $659K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 416 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.