| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 | 6720-B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | CAREFIRST OF MARYLAND, INC. | — | $47K | $47K | 5.14% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGENCY & FINANCIAL SVCS | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | CAREFIRST OF MARYLAND, INC. | — | $9K | $9K | 0.97% |
| ALAN J ZUCCARI INC5 | 4100 MONUMENT CORNER DRIVE SUITE 500 FAIRFAX, VA 22030 | CAREFIRST OF MARYLAND, INC. | — | $8K | $8K | 0.83% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | CAREFIRST OF MARYLAND, INC. | — | $2K | $2K | 0.20% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL LLC | 6720A ROCKLEDGE DR STE 400 BETHESDA, MD 208171892 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 5.45% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 208171885 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.58% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, L | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $64 | $3K | 2.39% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 20 S KING ST LEESBURG, VA 201753023 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8 | $8 | 0.01% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, I | 6720 B ROCKLEDGE DR BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $71 | $8K | 22.09% |
| INSURANCE MARKETPLACE LLC3 Filed as: INSURANCE MARKETPLACE, LLC | 11350 RANDOM HILLS ROAD SUITE 880 FAIRFAX, VA 22030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 21.88% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $284 | — | $284 | 0.83% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGENCY & FINANCIAL | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $167 | — | $167 | 0.49% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 322 | $919K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $137K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $137K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $137K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $137K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 322 | $919K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 310 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.