| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 601 UNION ST STE 1000 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $17K | — | $17K | 2.93% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SUITE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $12K | — | $12K | 2.07% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 0.97% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA,EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 20.87% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SUITE 1200 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 8.87% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PKWY, STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $8K | $12K | 8.22% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SUITE 1200 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | — | $1K | 1.66% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA,EAST TOWER UNIONDALE, NY 11556 | VISION SERVICE PLAN | $981 | — | $981 | 1.33% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $199 | $3K | 4.93% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC. | 600 UNIVERSITY STREET SUITE 1200 SEATTLE, WA 98101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $384 | — | $384 | 0.69% |
| 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 | — | $166 | $166 | 0.30% |
| PAYNWEST INS CO.3 | 3289 GABEL RD BILLINGS, MT 59102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.05% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER EAST TOWER UNIONDALE, NY 11556 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $199 | $2K | 4.40% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $384 | — | $384 | 0.69% |
| 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 | — | $166 | $166 | 0.30% |
| PAYNWEST INS CO.3 | 3289 GABEL RD BILLINGS, MT 59102 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.05% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 600 UNIVERSITY STREET SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $236 | — | $236 | 1.00% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $165 | $19 | $184 | 0.78% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | FIRST UNUM LIFE INS. CO. | $162 | $15 | $177 | 11.98% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: M FINANCIAL HOLDINGSINC | 1125 NW COUCH STREET SUITE 900 PORTLAND, OR 97209 | FIRST UNUM LIFE INS. CO. | — | $13 | $13 | 0.88% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | FIRST UNUM LIFE INS. CO. | $10 | — | $10 | 0.68% |
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 | 801 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 812 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 1,237 | $582K |
| Vision | VISION SERVICE PLAN | 579 | $74K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,095 | $340K |
| Short-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 126 | $113K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,095 | $340K |
| Other(4 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,095 | $537K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,237 | — |
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.