| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | P.O. BOX 2547 YAKIMA, WA 98907 | PREMERA BLUE CROSS | $84K | $2K | $87K | 5.14% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | P.O. BOX 203588 DALLAS, TX 75320 | PREMERA BLUE CROSS | — | $8K | $8K | 0.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC. | P.O. BOX 2547 YAKIMA, WA 98907 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 5.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 1430 NORTH 16TH AVENUE BUILDING H YAKIMA, WA 98902 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $212 | $7K | 20.74% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES NW | P.O. BOX 2547 YAKIMA, WA 989072547 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.55% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES NW | P.O. BOX 2547 YAKIMA, WA 989072547 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 999 3RD AVENUE SUITE 4100 SEATTLE, WA 981044084 | VISION SERVICE PLAN | $760 | — | $760 | 7.39% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES NW | P.O. BOX 2547 YAKIMA, WA 989072547 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $506 | — | $506 | 5.00% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 128 | $1.7M |
| Dental | DELTA DENTAL OF WASHINGTON | 204 | $114K |
| Vision | VISION SERVICE PLAN | 111 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 109 | $28K |
| Prescription drug | PREMERA BLUE CROSS | 128 | $1.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 112 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.