| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY, INC | ATTN KATHY WATSON 19401 40TH AVE W, STE 440 LYNWOOD, WA 98036 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $3K | $7K | 5.33% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 4.27% |
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST PARTNERS INS | SERVICES, LLC 19401 40TH AVE W, STE 440 LYNNWOOD, WA 98036 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.17% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $631 | $631 | 0.51% |
| BELL-ANDERSON AGENCY INC3 | SHORTEN, KRYSIA R 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | REGENCE BLUESHIELD | $56K | $2K | $58K | 52.14% |
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST PARTNERS | INSURANCE SERVICES, LLC 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $587 | — | $587 | 5.64% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DR URBANDALE, IA 50323 | VISION SERVICE PLAN | $415 | — | $415 | 3.99% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY | ATTN WEST II CST GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $216 | — | $216 | 2.07% |
| GHB INC3 Filed as: GHB INSURANCE | PO BOX 1608 OLYMPIA, WA 98507 | FIRST CHOICE HEALTH PLAN | $280 | — | $280 | 11.64% |
| GHB INC3 Filed as: GHB INSURANCE | PO BOX 1608 OLYMPIA, WA 98507 | BENEFIT INTELLIGENCE | $159 | — | $159 | — |
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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUESHIELD | 203 | $113K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $124K |
| Vision | VISION SERVICE PLAN | 97 | $10K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $124K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 204 | $126K |
| 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."
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.