| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 6720 B ROCKLEDGE DRIVE BETHESDA, MD 20817 | THE GUARDIAN LIFE INSURANCE COMPANY | $34K | $1K | $35K | 16.65% |
| INSURANCE MARKETPLACE LLC3 | 11350 RANDOM HILLS ROAD SUITE 800 FAIRFAX, VA 22030 | THE GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.27% |
| FINANCIAL BALANCE GROUP LLC3 | 9200 CORPORATE BLVD STE 390 ROCKVILLE, MD 20850 | THE GUARDIAN LIFE INSURANCE COMPANY | $766 | $0 | $766 | 0.36% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 6720B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $593 | $10K | 9.62% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS LLC | 6720 B ROCKLEDGE DR STE 400 BETHESDA, MD 20817 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.57% |
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 752511803 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.00% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $101 | $0 | $101 | 0.50% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 542 | $109K |
| Vision | VISION SERVICE PLAN | 186 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 226 | $213K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 226 | $213K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 226 | $213K |
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY | 226 | $213K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 226 | $213K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.