| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMADA CONSULTING GROUP, LLC3 Filed as: ARMADA CORPORATION | 230 SCHILLING CIRCLE HUNT VALLEY, MD 21031 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $87K | — | $87K | 4.05% |
| ENROLLEASE3 Filed as: BOUCHEY & CLARKE BENEFITS, INC. | 1819 FIFTH AVE PO BOX 1616 TROY, NY 121811616 | CAPITAL DISTRICT PHYSICIAN'S HEALTH PLAN INC. | $67K | — | $67K | 3.75% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | MVP HEALTH CARE | $19K | — | $19K | 4.02% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY | $21K | $7K | $28K | 13.51% |
| ENROLLEASE3 Filed as: BOUCHEY & CLARKE BENEFITS, INC. | 293 TROY SCHENECTADY ROAD LATHAM, NY 12110 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 5.92% |
| PSA FINANCIAL, INC.3 | 11311 MCCORMICK ROAD, SUITE 500 HUNT VALLEY, MD 21031 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $2K | $3K | 11.20% |
| ARMADA CONSULTING GROUP, LLC3 Filed as: ARMADA BENEFIT PARTNERS, LLC | 230 SCHILLLING CIRCLE, SUITE 140 HUNT VALLEY, MD 21031 | VISION SERVICE PLAN | $1K | — | $1K | 5.58% |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 392 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 234 | $4.4M |
| Dental(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 234 | $319K |
| Vision | VISION SERVICE PLAN | 186 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.