| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE CO. | $59K | $17K | $76K | 5.17% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | PRINCIPAL LIFE INS. CO. | $10K | $4K | $14K | 10.24% |
| DAILYFEATS INC.3 | 101 TREMONT ST FLOOR 11 BOSTON, MA 02108 | PRINCIPAL LIFE INS. CO. | $4K | — | $4K | 3.00% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 5.00% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST SUITE 1200 SEATTLE, WA 98101 | VISION SERVICE PLAN | $964 | — | $964 | 6.06% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE CO. | 144 | $1.5M |
| Dental | DELTA DENTAL OF WASHINGTON | 133 | $114K |
| Vision | VISION SERVICE PLAN | 123 | $16K |
| Life insurance | PRINCIPAL LIFE INS. CO. | 126 | $140K |
| Short-term disability | PRINCIPAL LIFE INS. CO. | 126 | $140K |
| Long-term disability | PRINCIPAL LIFE INS. CO. | 126 | $140K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE CO. | 144 | $1.5M |
| Other | PRINCIPAL LIFE INS. CO. | 126 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.