| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL BENEFIT CONSULTANTS3 | 7525 SE 24TH STREET, SUITE 350 MERCER ISLAND, WA 98040 | STANDARD INSURANCE COMPANY | $13K | $9K | $22K | 5.09% |
| TRULUMA3 Filed as: TRULUMA, INC. | 1702 NORTH 34TH STREET SEATTLE, WA 98103 | STANDARD INSURANCE COMPANY | $17K | $0 | $17K | 3.93% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES NORTHWEST | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | STANDARD INSURANCE COMPANY | $8K | $0 | $8K | 1.91% |
| MEGAN TAY3 Filed as: MEGAN E. TAY | 1702 NORTH 34TH STREET SEATTLE, WA 98103 | STANDARD INSURANCE COMPANY | $7K | $0 | $7K | 1.70% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO PACIFIC INSURANCE | 1100 DEXTER AVENUE NORTH, SUITE 220 SEATTLE, WA 98019 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 0.74% |
| MILES A. CRAIGWELL3 | 1301 4TH AVENUE, UNIT 909 SEATTLE, WA 98101 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.39% |
| DIANA L. SMITH3 | 24667 SE 36TH COURT ISSAQUAH, WA 98029 | STANDARD INSURANCE COMPANY | $677 | $0 | $677 | 0.16% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | STANDARD INSURANCE COMPANY | 209 | $30K |
| Life insurance | STANDARD INSURANCE COMPANY | 353 | $432K |
| Long-term disability | STANDARD INSURANCE COMPANY | 353 | $432K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 353 | $432K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.