| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS | 20 S. KING STREET LEESBURG, VA 20175 | CAREFIRST BLUECHOICE, INC. | $0 | $72K | $72K | 7.12% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER AND STROHL ADMINSITRATIVE | SERVICES 12404 PARK CENTRAL DRIVE, STE. 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $12K | $12K | 1.16% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC. | DBA THE CAPITAL GROUP 6720B ROCKLEDGE DR., STE. 400 BETHESDA, MD 208171885 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $3K | $29K | 8.14% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 3.72% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | D/B/A SALT MARGIN 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $17 | $10K | 2.75% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE ST. MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 1.63% |
| ARMFIELD HARRISON & THOMAS3 | D/B/A AHT INSURANCE 20 S KING ST LEESBURG, VA 201753023 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FCE BENEFIT ADMINISTRATORS, INC. EIN 33-0330036 NONE | Other services Service code 49 | — | $75K |
| TRUST MANAGEMENT SERVICES EIN 46-3922133 NONE | Accounting (including auditing); Trustee (directed) Service code 10 | — | $11K |
| UNITED WORKERS WELLNESS EIN 80-0372807 NONE | Other services Service code 49 | — | $6K |
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 | 580 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 580 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 121 | $1.0M |
| Dental(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 407 | $1.4M |
| Vision(2 contracts, 2 carriers) | CAREFIRST BLUECHOICE, INC. | 407 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $358K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $358K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $358K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 121 | $1.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 407 | $358K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.