| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS LLC | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $245K | $17K | $262K | 4.29% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS INC | UNKNOWN SEATTLE, WA 98109 | DELTA DENTAL OF WASHINGTON | $26K | $0 | $26K | 5.05% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC LLC | 600 UNIVERSITY STREET SE SUITE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $54K | $0 | $54K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON AND THOMAS LLC | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.02% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP MID ATLANTIC LLC | 4211 WEST BOY SCOUT BOULEVARD SUITE 800 TAMPA, FL 33607 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.48% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYESS NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $303 | $0 | $303 | 0.50% |
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 | 488 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 754 | $6.1M |
| Dental | DELTA DENTAL OF WASHINGTON | 782 | $514K |
| Vision | VISION SERVICE PLAN | 468 | $60K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 493 | $357K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 493 | $357K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 493 | $357K |
| Prescription drug | REGENCE BLUESHIELD | 754 | $6.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 493 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 782 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.