| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $44K | $4K | $48K | 3.54% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $4K | — | $4K | 5.67% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $2K | — | $2K | 6.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 20 S KING STREET LEESBURG, VA 20175 | PRINCIPAL LIFE INSURANCE CO. | $4K | $1K | $5K | 17.15% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH ST SW MS 320 MOUNTLAKE TERRACE, WA 98043 | PRINCIPAL LIFE INSURANCE CO. | — | $1K | $1K | 5.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC | 4211 W BOY SCOUT BLVD #800 TAMPA, FL 33607 | VISION SERVICE PLAN | $864 | — | $864 | 6.16% |
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 | 57 | 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) | 63 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 123 | $1.4M |
| Dental(2 contracts) | DELTA DENTAL OF WASHINGTON | 97 | $95K |
| Vision | VISION SERVICE PLAN | 58 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE CO. | 73 | $29K |
| Short-term disability | PRINCIPAL LIFE INSURANCE CO. | 73 | $29K |
| Long-term disability | PRINCIPAL LIFE INSURANCE CO. | 73 | $29K |
| Prescription drug | REGENCE BLUESHIELD | 123 | $1.4M |
| Other | PRINCIPAL LIFE INSURANCE CO. | 73 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.