| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INS AGENCY & FINANCIAL SVCS | 8200 GREENSBORO DR SUITE 1550 MCLEAN, VA 22102 | CAREFIRST OF MARYLAND, INC. | $0 | $56K | $56K | 5.01% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | CAREFIRST OF MARYLAND, INC. | $0 | $10K | $10K | 0.87% |
| SAHOURI INSURANCE AGENCY & ASSOC3 Filed as: SAHOURI INSURANCE AGENCY & FINANCI | 8200 GREENSBORO DR STE 1550 MCLEAN, VA 22102 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $39 | $26K | 15.55% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 208171885 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $13 | $1K | 0.71% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 20 S KING ST LEESBURG, VA 201753023 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $619 | $619 | 0.37% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, L | 4704 DE INVIERNO WAY MOUNT AIRY, MD 217715030 | METROPOLITAN LIFE INSURANCE COMPANY | $385 | $13 | $398 | 0.24% |
| 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 | $2K | $0 | $2K | 6.46% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD SUITE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25 | $0 | $25 | 0.07% |
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 | 131 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CAREFIRST OF MARYLAND, INC. | 229 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $165K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $165K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $165K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $165K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $165K |
| Prescription drug | CAREFIRST OF MARYLAND, INC. | 229 | $1.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 317 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.