| 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 | $108K | $7K | $115K | 17.33% |
| 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 | -$16 | — | -$16 | -0.00% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $3K | $16K | 6.92% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | WILLAMETTE DENTAL INSURANCE INC | $6K | — | $6K | 5.00% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNUM LIFE INSURANCE CO. OF AMERICA | $7K | $573 | $7K | 16.15% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | — | $1K | 3.79% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNUM LIFE INSURANCE CO. OF AMERICA | $4K | — | $4K | 16.68% |
| DAVIDSON BENEFITS PLANNING LLC3 | 7632 SW DURHAM RD SUITE 115 TIGARD, OR 97224 | UNUM LIFE INSURANCE CO. OF AMERICA | $2K | $58 | $2K | 7.93% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON | 222 SW COLUMBIA ST SUITE 600 PORTLAND, OR 97201 | UNUM LIFE INSURANCE CO. OF AMERICA | $140 | — | $140 | 0.59% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 351 | 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 | 717 | $686K |
| Dental | WILLAMETTE DENTAL INSURANCE INC | 215 | $117K |
| Vision | VISION SERVICE PLAN | 346 | $34K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $281K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $235K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $235K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 717 | $662K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 717 | — |
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.