| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 20 S KING ST LEESBURG, VA 20175 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 2.81% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 2.30% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | $704 | $2K | 1.23% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MO 21152 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $116 | $116 | 0.08% |
| TRIBRIDGE PARTNERS LLC3 | 6721 COLUMBIA GATEWAY DR STE 100 COLUMBIA, MD 21046 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $779 | $6K | 7.85% |
| KELLY & ASSOCIATES INSURANCE GROUP3 Filed as: KELLY AND ASSOCIATES INSURANCE GROU | 1 KELLY WAY SPARKS, MO 21152 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.74% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | GUARDIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.28% |
| TRIBRIDGE PARTNERS LLC3 | ONE EAST PRATT ST STE 902 BALTIMORE, MD 21202 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $813 | $0 | $813 | 9.90% |
| KELLY & ASSOCIATES INSURANCE GROUP3 | 1 KELLY WAY SPARKS, MO 21152 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $244 | $0 | $244 | 2.97% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 113 | $77K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 134 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $153K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $153K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $153K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 106 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.