| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $209K | $6K | $215K | 5.12% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $17K | — | $17K | 4.65% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $4K | $19K | 18.78% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $3K | $15K | 18.78% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 19.33% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | VISION SERVICE PLAN | $2K | — | $2K | 4.01% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYER NAVIGATOR, LLC | 7979 OLD GEORGETOWN RD, STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $219 | — | $219 | 0.50% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $7K | 19.45% |
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 | 433 | 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) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 615 | $4.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 612 | $447K |
| Vision | VISION SERVICE PLAN | 392 | $44K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 433 | $99K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 433 | $79K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 433 | $100K |
| Prescription drug(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 615 | $4.3M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 433 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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.