| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FORTUNE MANAGEMENT, INC.3 Filed as: FORTUNE MANAGEMENT INC. | PO BOX 75009 SEATTLE, WA 98125 | SYMETRA LIFE INSURANCE COMPANY | $56K | $0 | $56K | 10.14% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 1100 DEXTER AVENUE NORTH, SUITE 220 SEATTLE, WA 98109 | SYMETRA LIFE INSURANCE COMPANY | $13K | $8K | $21K | 3.77% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO INSURANCE SERVICES OF WA | 1100 DEXTER AVENUE NORTH, SUITE 220 SEATTLE, WA 98109 | SYMETRA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 2.58% |
| SERVCO INSURANCE SERVICES CORP3 Filed as: SERVCO INSURANCE SERVICES OF WA LLC | 80 5TH AVENUE SEATTLE, WA 98104 | BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 25.65% |
| FORTUNE MANAGEMENT, INC.3 Filed as: FORTUNE MANAGEMENT INC. | 10702 39TH AVENUE NE SEATTLE, WA 98125 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 39.56% |
| MATTHEW LUND3 | 10702 39TH AVENUE NE SEATTLE, WA 98125 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.30% |
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 | 976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 976 | $553K |
| Short-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 976 | $619K |
| Long-term disability(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 976 | $602K |
| Other | SYMETRA LIFE INSURANCE COMPANY | 976 | $553K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 976 | — |
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."
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.