| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCARE MANAGEMENT ADMINISTRATOR5 Filed as: HEALTHCARE MGMT ADMINISTRATORS | P.O. BOX 85008 BELLEVUE, WA 98015 | UNIMERICA INSURANCE COMPANY | — | $8K | $8K | 2.50% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WASHINGTON | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | — | $1K | 5.58% |
| MCM3 | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $367 | $3K | 17.18% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 171 | $19K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $17K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 256 | $17K |
| Stop-loss / reinsurancereinsurance | UNIMERICA INSURANCE COMPANY | 257 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
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.