| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 600 UNIVERSITY STREET SUITE 1300 SEATTLE, WA 98101 | AETNA LIFE INSURANCE COMPANY | — | $5K | $5K | 1.10% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 20 SOUTH KING STREET SUITE 301 LEESBURG, VA 20175 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 4.34% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: THE BUSINESS BENEFITS GROUP INC | 4069 CHAIN BRIDGE ROAD FAIRFAX, VA 22030 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.15% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 600 UNIVERSITY STREET SUITE 1300 SEATTLE, WA 98101 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.48% |
| HUNTINGTON T BLOCK3 | 1120 20TH STREET NORTHWEST WASHINGTON, DC 20036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $146 | — | $146 | 13.77% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS BENEFITS GROUP INC | 4069 CHAIN BRIDGE ROAD FAIRFAX, VA 22030 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104 | — | $104 | 9.81% |
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 | 107 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | 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)(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 131 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $182K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $182K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $182K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 131 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.