| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP, LLC | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | REGENCE BLUE SHIELD | $36K | $0 | $36K | 5.06% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 10.00% |
| THE BALDWIN GROUP WEST LLC3 Filed as: THE BALDWIN GROUP, LLC | 101 CRAWFORDS CORNER ROAD SUITE 1300 HOLMDEL, NJ 07733 | USABLE LIFE | $955 | — | $955 | 10.30% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $843 | $0 | $843 | 10.00% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUE SHIELD | 98 | $714K |
| Dental | DELTA DENTAL OF WASHINGTON | 100 | $64K |
| Vision | DELTA DENTAL OF WASHINGTON | 85 | $8K |
| Life insurance | USABLE LIFE | 160 | $9K |
| Short-term disability | USABLE LIFE | 160 | $9K |
| Prescription drug | REGENCE BLUE SHIELD | 98 | $714K |
| Other | USABLE LIFE | 160 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.