| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 390 BRADLEY BLVD RICHLAND, WA 99352 | PREMERA BLUE CROSS | $56K | $2K | $57K | 6.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | PO BOX 30638 BILLINGS, MT 59107 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 11.43% |
| MARK S METTILLE3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.00% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 S 3RD STREET, SUITE 800 COLUMBUS, OH 43215 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.91% |
| PAUL L ADAMS3 | 15328 32ND AVENUE SE MILLCREEK, WA 98012 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $90 | — | $90 | 0.05% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 189 | $831K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $184K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $184K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $184K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $184K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 190 | $184K |
| Prescription drug | PREMERA BLUE CROSS | 189 | $831K |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 189 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.