| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $65K | $8K | $73K | 4.24% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 6.00% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | PRINCIPAL LIFE INSURANCE CO. | $5K | $446 | $5K | 12.77% |
| CONNEXION INSURANCE SOLUTIONS3 | 7001 220TH ST SW MS 320 MOUNTLAKE TERRACE, WA 98043 | PRINCIPAL LIFE INSURANCE CO. | $2K | — | $2K | 4.68% |
| ARMFIELD HARRISON & THOMAS3 | P.O. BOX 71146 CHARLOTTE, NC 28272 | VISION SERVICE PLAN | $1K | — | $1K | 5.45% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $959 | — | $959 | 6.00% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | WILLAMETTE DENTAL OF WASHINGTON INC. | $795 | — | $795 | 5.00% |
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 | 114 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 220 | $1.7M |
| Dental(3 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 180 | $136K |
| Vision | VISION SERVICE PLAN | 96 | $21K |
| Life insurance | PRINCIPAL LIFE INSURANCE CO. | 148 | $40K |
| Short-term disability | PRINCIPAL LIFE INSURANCE CO. | 148 | $40K |
| Long-term disability | PRINCIPAL LIFE INSURANCE CO. | 148 | $40K |
| Prescription drug | REGENCE BLUESHIELD | 220 | $1.7M |
| Other | PRINCIPAL LIFE INSURANCE CO. | 148 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.