| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | LIFEWISE ASSURANCE COMPANY | — | $2K | $2K | 0.25% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $9K | $771 | $10K | 19.85% |
| ELM STREET CAPITAL LLC3 | 5906 CARDINAL LAKE DR. GREENSBORO, NC 27410 | SYMETRA LIFE INSURANCE COMPANY | — | $10K | $10K | 19.44% |
| ACCRETIVE SPECIALTY INS SOLUTIONS3 Filed as: ACCRETIVE SPECIALTY INSURANCE | 2910 BAY TO BAY BLVD. TAMPA, FL 33629 | SYMETRA LIFE INSURANCE COMPANY | $9K | — | $9K | 18.29% |
| US NATIONAL BENEFITS PARTNERS WEST3 Filed as: U.S. NATIONAL BENEFITS PARTNERS | 99 WOOD AVE. S. STE. 501 ISELIN, NJ 08830 | SYMETRA LIFE INSURANCE COMPANY | — | $429 | $429 | 0.87% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON | 450 S. ORANGE AVE. FLOOR 4 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.94% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON LLC | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | — | $1K | 5.37% |
| EMPLOYEE NAVIGATOR, LLC5 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN RD. STE. 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $69 | — | $69 | 0.33% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 166 | $155K |
| Vision | VISION SERVICE PLAN | 165 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $48K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $48K |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 164 | $624K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 189 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.