| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE INC | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94107 | AETNA LIFE INSURANCE COMPANY | $71K | — | $71K | 4.33% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 600 UNIVERSITY ST SUITE 1300 SEATTLE, WA 98101 | AETNA LIFE INSURANCE COMPANY | $8K | — | $8K | 0.49% |
| CONRAD PARKER3 | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94107 | SUN LIFE INSURANCE COMPANY OF CANADA | $9K | — | $9K | 5.84% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 20 S KING ST LEESBURG, VA 20175 | SUN LIFE INSURANCE COMPANY OF CANADA | $3K | — | $3K | 2.16% |
| CONRAD PARKER3 | 303 2ND ST SUITE 401 SAN FRANCISCO, CA 94107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 7.03% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 20 S KING ST LEESBURG, VI 20175 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 3.48% |
| PARKER CONRAD3 | 303 2ND ST SUITE 401 SAN FRANCSICO, CA 94107 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 9.71% |
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 | 234 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 358 | $1.6M |
| Dental | SUN LIFE INSURANCE COMPANY OF CANADA | 225 | $153K |
| Vision | AETNA LIFE INSURANCE COMPANY | 358 | $1.6M |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 358 | $1.6M |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $45K |
| Long-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 245 | $45K |
| Other | AETNA LIFE INSURANCE COMPANY | 358 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.