| 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $131K | $852 | $132K | 5.12% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $105K | $0 | $105K | 22.37% |
| IMG5 | 2960 NORTH MERIDIAN INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $49 | $49 | 0.01% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA. | $5K | $0 | $5K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | EYEMED VISION CARE | $2K | $0 | $2K | 9.21% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 457 | $2.6M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 457 | $2.6M |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 457 | $2.6M |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 247 | $470K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 247 | $470K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 247 | $470K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 457 | $2.6M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 247 | $513K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 457 | — |
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.