| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INS. CO. | $8K | $22 | $8K | 5.01% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SUITE 1200 SEATTLE, WA 98101 | LINCOLN NATIONAL INS. CO. | $4K | — | $4K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | — | $1K | 5.23% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SUITE 1200 SEATTLE, WA 98101 | LINCOLN NATIONAL LIFE INS. CO. | $3K | — | $3K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SUITE 1200 SEATTLE, WA 98101 | LINCOLN NATIONAL LIFE INS. CO. | $3K | — | $3K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SUITE 1200 SEATTLE, WA 98101 | LINCOLN NATIONAL LIFE INS. CO. | $2K | — | $2K | 15.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INS. CO. | 542 | $155K |
| Vision | VISION SERVICE PLAN | 118 | $23K |
| Life insurance(2 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 119 | $36K |
| Short-term disability(2 contracts) | LINCOLN NATIONAL LIFE INS. CO. | 118 | $34K |
| Long-term disability | LINCOLN NATIONAL INS. CO. | 118 | $26K |
| Other | LINCOLN NATIONAL LIFE INS. CO. | 119 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.