| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON, & THOMAS | 6720B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | UNITEDHEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 1.57% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC- | PO BOX 61007 VIRGINIA BEACH, VA 23466 | UNITEDHEALTHCARE INSURANCE COMPANY | $43 | $0 | $43 | 0.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | — | HARTFORD LIFE AND ACCIDENT | $147K | $44K | $191K | 18.15% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 6720B ROCKLEDGE DR BETHESDA, MD 20817 | DELTA DENTAL | $26K | $0 | $26K | 5.37% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD,HARRISON,& THOMAS LLC | 6720B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | EYEMED | $2K | $0 | $2K | 1.68% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD,HARRISON,& THOMAS LLC | 6720B ROCKLEDGE DR BETHESDA, MD 20817 | EYEMED | $1K | $0 | $1K | 0.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 ADMIN | Claims processing Service code 12 | — | $67K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $17K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $67 |
| THE CAPITAL GROUP EIN 54-0654623 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 910 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 913 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $1.4M |
| Dental | DELTA DENTAL | 1,503 | $476K |
| Vision | EYEMED | 1,746 | $122K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 910 | $1.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 910 | $1.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 910 | $1.1M |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 478 | $611K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 910 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,746 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.