| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNITED HEALTHCARE INSURANCE COMPANY | $114K | $2K | $116K | 4.04% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 15.81% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 15.63% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 19.49% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 15.79% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $410 | $234 | $644 | 15.71% |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 655 | $2.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 683 | $385K |
| Vision | VISION SERVICE PLAN | 437 | $42K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 546 | $54K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 545 | $27K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 546 | $56K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 655 | $2.9M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 546 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 683 | — |
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.