| 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 | UNITED HEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 3.78% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE MARYLAND | 501 FAIRMONT AVE SUITE 400 TOWSON, MD 21286 | UNITED HEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 0.56% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $27K | $2K | $29K | 6.06% |
| MATHER & STROHL ADMIN SVC INC3 Filed as: MATHER & STROHL ADM SERVICES | 501 FAIRMONT AVE SUITE 400 TOWSON, MD 21286 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $5K | — | $5K | 1.04% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 4.32% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 3.25% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | UNITED HEALTHCARE INSURANCE COMPANY | $417 | — | $417 | 3.26% |
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 | 185 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 116 | $1.7M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 125 | $79K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 111 | $13K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 211 | $282K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 211 | $282K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 211 | $282K |
| Prescription drug(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 116 | $1.7M |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 211 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.