| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SEATTLE, WA 98101 | PREMERA BLUE CROSS | $61K | $9K | $70K | 4.69% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE., NE BELLEVUE, WA 98004 | PREMERA BLUE CROSS | $14K | — | $14K | 0.91% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | GUARDIAN | $17K | — | $17K | 8.77% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE., NE BELLEVUE, WA 98004 | GUARDIAN | $3K | — | $3K | 1.80% |
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY STREET SEATTLE, WA 98101 | VISION SERVICE PLAN | $659 | — | $659 | 4.89% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK | 2233 112TH AVE., NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $197 | — | $197 | 1.46% |
| ARMFIELD HARRISON & THOMAS3 | 20 SOUTH KING STREET LEESBURG, VA 20175 | GUARDIAN | $1K | — | $1K | 10.62% |
| JENIFER A. SAPEL3 | 20021 120TH AVENUE NE BOTHELL, WA 98011 | GUARDIAN | $7 | — | $7 | 0.05% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 134 | $1.5M |
| Dental(2 contracts) | GUARDIAN | 186 | $201K |
| Vision | VISION SERVICE PLAN | 159 | $13K |
| Life insurance(2 contracts) | GUARDIAN | 186 | $201K |
| Prescription drug | PREMERA BLUE CROSS | 134 | $1.5M |
| Other(2 contracts) | GUARDIAN | 186 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.