| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 20 S KING ST LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $43K | — | $43K | 10.39% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SUITE 1300 SEATTLE, WA 98101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $3K | $7K | 8.24% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 20 S KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $748 | $4K | 10.80% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 20 S KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 10.01% |
| MATHER & STROHL ADMIN SVC INC3 | 501 FAIRMOUNT AVE #400 TOWSON, MD 21284 | LINCOLN NATIONAL LIFE INSURANCE CO | -$2 | — | -$2 | -0.01% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS | 20 SOUTH KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $4K | — | $4K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 20 S KING STREET LEESBURG, VA 20175 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $465 | $4K | 19.02% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | VISION SERVICE PLAN | $826 | $19 | $845 | 6.96% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 20 S KING STREET LEESBURG, VA 20175 | LINCOLN NATIONAL LIFE INS. CO. | $556 | — | $556 | 14.99% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $417K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 99 | $90K |
| Vision | VISION SERVICE PLAN | 90 | $12K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $58K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 132 | $28K |
| Long-term disability(2 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 59 | $28K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $417K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 151 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.