| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | 1511 BALTIMORE, 2ND FLOOR KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $61K | $0 | $61K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET BOSTON, MA 02110 | HARTFORD LIFE AND ACCIDENT | $0 | $7K | $7K | 1.09% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | ONE UNION SQUARE 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | AETNA LIFE INSURANCE COMPANY | $48K | $15 | $48K | 9.75% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS LLC | ONE UNION SQUARE 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | $17K | $0 | $17K | 3.75% |
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 | 1,253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 330 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,602 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 150 | $455K |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,107 | $497K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,107 | $497K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,016 | $609K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,016 | $609K |
| Prescription drug | SIERRA HEALTH AND LIFE INSURANCE COMPANY, INC. | 150 | $455K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,253 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,253 | — |
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.