| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | 5985 HOME GARDENS DRIVE, SUITE A RENO, NV 89502 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $95K | $0 | $95K | 3.33% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEVADA, LLC | 5985 HOME GARDENS DRIVE, SUITE A RENO, NV 89502 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. | $3K | $0 | $3K | 9.88% |
| NANCY LAPHAM3 Filed as: NANCY L. WALDNER | 227 BELLEVUE WAY NE, SUITE 305 BELLEVUE, WA 98004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 37.24% |
| MARK V. DENO3 | 1823 WEST NORTHRIDGE COURT APARTMENT 17 SPOKANE, WA 99208 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 13.83% |
| CHARLES H WEISSBERGER3 Filed as: CHARLES H. WEISSBERGER | 308 GRAHAM AVENUE SE RENTON, WA 98059 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 6.57% |
| KIMBERLY J. MOGER3 | 24229 SOUTHEAST 147TH PLACE ISSAQUAH, WA 98027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 5.90% |
| MARGARET A. TIBBITS3 | 3064 NORTHSHORE ROAD BELLEINGHAM, WA 98226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $397 | — | $397 | 2.02% |
| SELECT BNFT SOLUTION LLC3 Filed as: SELECT BENEFIT SOLUTIONS LLC | PO BOX 1370 MOUNT PLESANT, SC 29465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.07% |
| REBECCA J. COTTER3 | 13526 160TH AVENUE NE REDMOND, WA 98052 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.07% |
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 | 338 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 360 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 360 | $2.8M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO.. | 467 | $30K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 120 | $20K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 120 | $20K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 360 | $2.8M |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 120 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.