| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 10.25% |
| DAVIDSON BENEFITS PLANNING LLC3 Filed as: DAVIDSON BENEFITS PLANNING, LLC | 7632 SW DURHAM RD SUITE 115 TIGARD, OR 97224 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 7.32% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $8K | 3.41% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 2.42% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD SUITE 115 TIGARD, OR 97224 | WILLAMETTE DENTAL INSURANCE INC | $4K | — | $4K | 4.08% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | WILLAMETTE DENTAL INSURANCE INC | $995 | — | $995 | 0.91% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD SUITE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE CO. OF AMERICA | $3K | $175 | $3K | 7.40% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNUM LIFE INSURANCE CO. OF AMERICA | $2K | $196 | $3K | 7.00% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | — | $1K | 3.35% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | VISION SERVICE PLAN | $399 | — | $399 | 1.24% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD SUITE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE CO. OF AMERICA | $4K | $166 | $4K | 34.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF OREGON | 222 SW COLUMBIA ST SUITE 600 PORTLAND, OR 97201 | UNUM LIFE INSURANCE CO. OF AMERICA | $131 | — | $131 | 1.12% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNUM LIFE INSURANCE CO. OF AMERICA | $18 | — | $18 | 0.15% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 630 | $523K |
| Dental | WILLAMETTE DENTAL INSURANCE INC | 193 | $109K |
| Vision | VISION SERVICE PLAN | 308 | $32K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $261K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $224K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $224K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 630 | $511K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 397 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 630 | — |
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.