| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND&CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | DELTA DENTAL OF WASHINGTON | $29K | — | $29K | 5.00% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.67% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $18K | 12.49% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 9.99% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | VISION SERVICE PLAN | $2K | — | $2K | 3.25% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $232 | $3K | 5.14% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC. | 600 UNIVERSITY STREET SUITE 1300 SEATTLE, WA 98101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $440 | — | $440 | 0.84% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $194 | $194 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNE WEST INSURANCE INC. | PO BOX 4386 2925 PALMER, SUITE 3 MISSOULA, MT 59808 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.05% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $138 | $70 | $208 | 1.10% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 600 UNIVERSITY STREET SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $181 | — | $181 | 0.96% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC. | 600 UNIVERSITY STREET SUITE 1300 SEATTLE, WA 98101 | FIRST UNUM LIFE INSURANCE COMPANY | $10 | — | $10 | 1.69% |
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 | 857 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 857 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 1,271 | $571K |
| Vision | VISION SERVICE PLAN | 534 | $72K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 857 | $319K |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 130 | $53K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 857 | $319K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 857 | $486K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,271 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.