| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 20 S KING ST LEESBURG, VA 20175 | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | $87K | — | $87K | 5.31% |
| GUARANTY CALIFORNIA INS SVCS INC3 | 8500 STOCKDALE HWY #200 BAKERSFIELD, CA 93311 | AMERICAN FIDELITY ASSURANCE CO. | $781 | — | $781 | 102.76% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 600 UNIVERSITY ST SUITE 1300 SEATTLE, WA 98101 | AMERICAN FIDELITY ASSURANCE CO. | $228 | — | $228 | 30.00% |
| CEDRIC G. PEREZ3 | PO BOX 11744 BAKERSFIELD, CA 93389 | AMERICAN FIDELITY ASSURANCE CO. | $58 | — | $58 | 7.63% |
| CLAYTON M KOERNER3 Filed as: CLAYTON M. KOERNER | 8500 STOCKDALE HWY #200 BAKERSFIELD, CA 93311 | AMERICAN FIDELITY ASSURANCE CO. | $37 | — | $37 | 4.87% |
| TAWNY M BRADY3 | 1508 WAKEHURST CT BAKERSFIELD, CA 93311 | AMERICAN FIDELITY ASSURANCE CO. | $27 | — | $27 | 3.55% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1300 SEATTLE, WA 98101 | HOLMAN FAMILY COUNSELING INC | $25 | — | $25 | 4.92% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 213 | $1.6M |
| Dental | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 213 | $1.6M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 213 | $1.6M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 213 | $1.6M |
| Short-term disability | AMERICAN FIDELITY ASSURANCE CO. | 33 | $760 |
| Other | HOLMAN FAMILY COUNSELING INC | 230 | $508 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.