| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARMFIELD HARRISON & THOMAS3 | 600 UNIVERSITY ST STE 1200 SEATTLE, WA 98101 | AETNA LIFE INS. CO. | $85K | — | $85K | 5.18% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 600 UNIVERSITY AVE, SUITE 1200 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 600 UNIVERSITY AVE, SUITE 1200 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.20% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 600 UNIVERSITY AVE, SUITE 1200 SEATTLE, WA 98101 | VISION SERVICE PLAN | $753 | — | $753 | 7.44% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 600 UNIVERSITY AVE, SUITE 1200 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $589 | — | $589 | 12.93% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 600 UNIVERSITY AVE, SUITE 1200 SEATTLE, WA 98101 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $445 | — | $445 | 15.00% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INS. CO. | 159 | $1.6M |
| Dental | AETNA LIFE INS. CO. | 159 | $1.6M |
| Vision | VISION SERVICE PLAN | 76 | $10K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $29K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $30K |
| Prescription drug | AETNA LIFE INS. CO. | 159 | $1.6M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.