| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | PRINCIPAL LIFE INSURANCE CO. | $6K | $2K | $8K | 17.48% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH ST SW MS 320 MOUNTLAKE TERRACE, WA 98043 | PRINCIPAL LIFE INSURANCE CO. | $2K | — | $2K | 4.91% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | WILLAMETTE DENTAL OF WASHINGTON INC. | $1K | — | $1K | 5.00% |
| ARMFIELD HARRISON & THOMAS3 | P.O. BOX 71146 CHARLOTTE, NC 28272 | VISION SERVICE PLAN | $1K | — | $1K | 5.35% |
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 | 134 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON INC. | 49 | $25K |
| Vision | VISION SERVICE PLAN | 119 | $22K |
| Life insurance | PRINCIPAL LIFE INSURANCE CO. | 172 | $45K |
| Short-term disability | PRINCIPAL LIFE INSURANCE CO. | 172 | $45K |
| Long-term disability | PRINCIPAL LIFE INSURANCE CO. | 172 | $45K |
| Other | PRINCIPAL LIFE INSURANCE CO. | 172 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.