| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH, SUITE 240 SALT LAKE CITY, UT 84107 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $46K | $14K | $59K | 15.00% |
| LOCKTON COMPANIES, LLC3 | 525 WEST MONROE STREET, 600 CHICAGO, IL 60660 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.65% |
| LEAVITT GROUP3 Filed as: LEAVITT GROUP BENEFITS SVCS., INC. | 7881 WEST CHARLESTON BOULEVARD SUITE 140 LAS VEGAS, NV 89117 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.33% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS, INC | 1201 PACIFIC AVENUE, SUITE 1000 TACOMA, WA 98402 | VISION SERVICE PLAN | $669 | — | $669 | 2.69% |
| TRUTINA FINANCIAL, LLC3 | 10811 MAIN STREET BELLEVUE, WA 98004 | VISION SERVICE PLAN | $582 | — | $582 | 2.34% |
| LOCKTON COMPANIES, LLC3 | 15939 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $237 | — | $237 | 0.95% |
| BELLEVUE FINANCIAL3 | 10811 MAIN STREET BELLEVUE, WA 98004 | AETNA LIFE INSURANCE COMPANY | $270 | — | $270 | 12.72% |
| TRUTINA FINANCIAL, LLC3 | 10811 MAIN STREET BELLEVUE, WA 98004 | AETNA LIFE INSURANCE COMPANY | $155 | — | $155 | 7.30% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | AETNA LIFE INSURANCE COMPANY | -$52 | — | -$52 | -2.45% |
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 | 2,376 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,383 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 166 | $60K |
| Vision(2 contracts) | VISION SERVICE PLAN | 1,711 | $216K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,376 | $398K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,376 | $396K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 166 | $60K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,376 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,376 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.