| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | UNKNOWN BELLEVUE, WA 98004 | DELTA DENTAL OF WASHINGTON | $14K | $0 | $14K | 3.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $4K | $0 | $4K | 1.22% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 1511 BALTIMORE, 2ND FLOOR KANSAS CITY, MO 64108 | HARTFORD LIFE AND ACCIDENT | $20K | $2K | $22K | 12.32% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVENUE NE, SUITE 110 SEATTLE, WA 98115 | HARTFORD LIFE AND ACCIDENT | $0 | $13K | $13K | 7.00% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | HARTFORD LIFE AND ACCIDENT | $7K | $0 | $7K | 3.74% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | PO BOX 71146 CHARLOTTE, NC 28272 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62949 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $496 | $0 | $496 | 1.55% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 545 | $360K |
| Vision | VISION SERVICE PLAN | 280 | $32K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 281 | $181K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 281 | $181K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 281 | $181K |
| Other | HARTFORD LIFE AND ACCIDENT | 281 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.