| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | PREMERA BLUE CROSS | $74K | $11K | $85K | 1.92% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | PREMERA BLUE CROSS | $61K | $0 | $61K | 1.38% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $15K | $0 | $15K | 3.04% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | DELTA DENTAL OF WASHINGTON | $12K | $0 | $12K | 2.46% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON AND THOMAS, INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.21% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION PREMERA | PO BOX 34315 SEATTLE, WA 98124 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.69% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER OREGON | 1050 SW 6TH AVENUE, SUITE 1000 PORTLAND, OR 97204 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 2.04% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS, INC. | PO BOX 34315 SEATTLE, WA 98124 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.72% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | $0 | $1K | 2.71% |
| WOODRUFF-SAWYER & CO3 Filed as: WOODRUFF-SAWYER AND COMPANY | 50 CALIFORNIA STREET, 12TH FLOOR SAN FRANCISCO, CA 94111 | VISION SERVICE PLAN | $524 | $0 | $524 | 1.09% |
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 | 577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 588 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 982 | $4.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 979 | $486K |
| Vision | VISION SERVICE PLAN | 561 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 715 | $173K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 715 | $173K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 715 | $173K |
| Prescription drug | PREMERA BLUE CROSS | 982 | $4.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 715 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 982 | — |
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.