| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $77K | — | $77K | 5.43% |
| NAMELY EMPLOYEE BENEFITS, LLC3 | 195 BROADWAY 15TH FLOOR NEW YORK, NY 10007 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$6K | $7K | $1K | 0.09% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC. | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 5.15% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $430 | $3K | 17.12% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | — | $1K | 5.71% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 600 UNIVERSITY ST, SUITE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $296 | $2K | 12.30% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $265 | $2K | 17.30% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 600 UNIVERSITY ST, SUITE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $478 | $112 | $590 | 12.36% |
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 | 167 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $1.4M |
| Dental | DELTA DENTAL OF WASHINGTON | 185 | $113K |
| Vision | VISION SERVICE PLAN | 140 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $25K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $12K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $1.4M |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 167 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 197 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.