| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $43K | $3K | $46K | 5.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN AGENCY OF WA INC. | 1325 4TH AVE STE 1705 SEATTLE, WA 98101 | REGENCE BLUESHIELD | — | $29K | $29K | 3.31% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY SE, STE 1950 ATLANTA, GA 30339 | REGENCE BLUESHIELD | $5K | — | $5K | 0.53% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | GUARDIAN LIFE INS. CO. OF AMERICA | $7K | $254 | $7K | 7.12% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE, STE 195 ATLAN, GA 30339 | GUARDIAN LIFE INS. CO. OF AMERICA | — | $1K | $1K | 1.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INS. CO. OF AMERICA | $701 | — | $701 | 0.67% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | PRINCIPAL LIFE INSURANCE CO. | $2K | $732 | $2K | 10.84% |
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 | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 161 | $873K |
| Dental | GUARDIAN LIFE INS. CO. OF AMERICA | 155 | $105K |
| Vision | GUARDIAN LIFE INS. CO. OF AMERICA | 155 | $105K |
| Life insurance | GUARDIAN LIFE INS. CO. OF AMERICA | 155 | $105K |
| Short-term disability | PRINCIPAL LIFE INSURANCE CO. | 126 | $21K |
| Other | GUARDIAN LIFE INS. CO. OF AMERICA | 155 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.