| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R.L. EVANS COMPANY, INC.3 Filed as: R.L. EVANS COMPANY | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | PREMERA BLUE CROSS | $41K | — | $41K | 5.00% |
| R.L. EVANS COMPANY, INC.3 | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 15.00% |
| R.L. EVANS COMPANY, INC.3 | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| R.L. EVANS COMPANY, INC.3 | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| R.L. EVANS COMPANY, INC.3 Filed as: R. L. EVANS COMPANY, INC. | 3535 FACTORIA BLVD SE #120 BELLEVUE, WA 98006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $340 | — | $340 | 15.00% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 104 | $826K |
| Dental | PREMERA BLUE CROSS | 104 | $826K |
| Vision | PREMERA BLUE CROSS | 104 | $826K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $10K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 52 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $30K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.