| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R.L. EVANS COMPANY, INC.3 Filed as: RL EVANS COMPANY INC | 3535 FACTORIA BLVD SE STERLING PLZ STE 120 BELLEVUE, WA 98006 | STANDARD INSURANCE COMPANY | $35K | — | $35K | 2.99% |
| R.L. EVANS COMPANY, INC.3 Filed as: RL EVANS COMPANY INC | 3535 FACTORIA BLVD SE STERLING PLZ STE 120 BELLEVUE, WA 98006 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SEATTLE POLICE OFFICERS GUILD EIN 91-0603202 REL. PART | Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 14 | — | $133K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Investment management fees paid directly by plan; Direct payment from the plan; Custodial (securities) Service code 19 | — | $42K |
| IN THE BLACK, LLC EIN 26-3874052 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $37K |
| THE WAGNER LAW GROUP NONE | Legal; Direct payment from the plan Service code 29 | 8677 VILLA LA JOLLA DR 888 SAN DIEGO, CA 92037 | $36K |
| TRUSTEE 01 TRUSTEE | Trustee (individual) Service code 20 | PO BOX 80666 SEATTLE, WA 98108 | $31K |
| CITY OF SEATTLE EIN 91-6001275 NONE | Direct payment from the plan; Other services Service code 49 | — | $23K |
| MILLER KAPLAN ARASE LLP EIN 95-2036255 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $18K |
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 | 1,014 | 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) | 1,014 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 1,011 | $93K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,014 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.