| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SUITE 1200 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WA | $67K | — | $67K | 4.73% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SUITE 1200 SEATTLE, WA 98101 | KAISER FOUNDATION HEALTH PLAN OF WA OPTIONS, INC. | $17K | — | $17K | 4.59% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $10K | — | $10K | 4.61% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING ST LEESBURG, VA 20175 | KAISER FOUNDATION HEALTH PLAN INC | $6K | $2K | $8K | 5.54% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC | 20 S KING ST LEESBURG, VA 20175 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 10.01% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $39 | $39 | 0.05% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF WA | 181 | $1.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 278 | $206K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 154 | $77K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 154 | $77K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 154 | $77K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN OF WA | 181 | $1.9M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 154 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.