| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | — | $21K | 1.78% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE NE BELLEVUE, WA 98004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $7K | $18K | 1.53% |
| NAMELY EMPLOYEE BENEFITS, LLC3 Filed as: NAMELY, INC. | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$3K | -$3K | -0.28% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $4K | — | $4K | 2.73% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 3800 CENTERPOINT DR SUITE 601 ANCHORAGE, AK 99503 | DELTA DENTAL OF WASHINGTON | $3K | — | $3K | 2.27% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH AND FEEK | 2233 112TH AVE NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $1K | — | $1K | 4.78% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | VISION SERVICE PLAN | $919 | — | $919 | 3.33% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH AND FEEK | 3800 CENTERPOINT DR SUITE 601 ANCHORAGE, AK 99503 | GUARDIAN | $1K | $429 | $2K | 7.16% |
| ARMFIELD HARRISON & THOMAS3 | 20 S KING STREET LEESBURG, VA 20175 | GUARDIAN | $1K | — | $1K | 6.51% |
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 | 177 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $1.2M |
| Dental | DELTA DENTAL OF WASHINGTON | 300 | $146K |
| Vision | VISION SERVICE PLAN | 156 | $28K |
| Life insurance | GUARDIAN | 177 | $22K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 161 | $1.2M |
| Other | GUARDIAN | 177 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.