| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 4211 W BOY SCOUT BLVD #800 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN, INC. | $6K | — | $6K | 4.93% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | 701 S PARKER ST ORANGE, CA 92868 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $432 | $802 | $1K | 5.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.25% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | 701 S PARKER ST ORANGE, CA 92868 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $347 | $453 | $800 | 4.13% |
| LUMITY, INC.3 Filed as: LUMITY INC | 5214 DIAMOND HTS BLVD #1152 SAN FRANCISCO, CA 94131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $507 | — | $507 | 2.62% |
| ARMFIELD HARRISON & THOMAS3 | 4211 W BOY SCOUT BLVD #800 TAMPA, FL 33607 | KAISER FOUNDATION HEALTH PLAN INC | $883 | — | $883 | 4.98% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | 701 S PARKER ST ORANGE, CA 92868 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $251 | $466 | $717 | 5.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $782 | — | $782 | 9.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: WORD & BROWN INS. ADMINISTRATORS | 701 S PARKER ST ORANGE, CA 92868 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $144 | $247 | $391 | 5.00% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 14 | $133K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $19K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 127 | $25K |
| Prescription drug(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 14 | $133K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 181 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
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.