| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 999 3RD AVENUE, SUITE 4100 SEATTLE, WA 98104 | DELTA DENTAL OF WASHINGTON | $20K | — | $20K | 2.79% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $1K | — | $1K | 0.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 601 UNION STREET, SUITE 1300 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $60K | $8K | $68K | 16.69% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $797 | $133 | $930 | 0.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 999 3RD AVENUE, SUITE 4100 SEATTLE, WA 98104 | AMERITAS LIFE INSURANCE CORPORATION | $15K | — | $15K | 9.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 5200 NORTH PLAM AVENUE, SUITE 114 FRESNO, CA 93704 | AMERITAS LIFE INSURANCE CORPORATION | — | $2K | $2K | 1.34% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS, INC. | 600 UNIVERSITY STREET, SUITE 1200 SEATTLE, WA 98101 | AMERITAS LIFE INSURANCE CORPORATION | $1K | — | $1K | 0.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | PO BOX 203588 DALLAS, TX 73320 | UNUM LIFE INSURANCE OF AMERICA | $13K | $2K | $15K | 16.92% |
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 | 1,341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 1,438 | $704K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 1,878 | $169K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $494K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $407K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $407K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 711 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,878 | — |
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.