| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST PARTNERS INS SVC | 19401 40TH AVE W LYNWOOD, WA 98036 | REGENCE BLUESHIELD | $57K | — | $57K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST PARTNERS INS | SERVICES LLC 19401 40TH AVE W, STE 440 LYNWOOD, WA 98036 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 10.25% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.24% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.95% |
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST PARTNERS INS | SERVICES LLC 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $764 | — | $764 | 7.44% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DR. URBANDALE, IA 50323 | VISION SERVICE PLAN | $411 | — | $411 | 4.00% |
| GHB INC3 Filed as: GHB INSURANCE | PO BOX 1608 OLYMPIA, WA 98507 | FIRST CHOICE HEALTH PLAN | $98 | — | $98 | 11.65% |
| GHB INC3 Filed as: GHB INSURANCE | PO BOX 1608 OLYMPIA, WA 98507 | BENEFIT INTELLIGENCE | $144 | — | $144 | — |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 139 | $1.1M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $124K |
| Vision | VISION SERVICE PLAN | 94 | $10K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $124K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 198 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.