| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAEL & LETSON0 | 999 THIRD AVENUE STE 1530 SEATTLE, WA 98104 | LIFEMAP ASSURANCE COMPANY | $13K | $0 | $13K | 1.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA EIN 91-0499247 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $2.1M |
| NORTHWEST ADMINISTRATORS, INC. EIN 91-0680697 NONE | Direct payment from the plan; Contract Administrator Service code 13 | — | $196K |
| DELTA DENTAL OF WASHINGTON EIN 91-0621478 NONE NOTED | Direct payment from the plan; Insurance services; Claims processing Service code 12 | — | $122K |
| RAEL & LETSON EIN 94-1701048 NONE | Insurance agents and brokers; Consulting (general); Direct payment from the plan Service code 16 | — | $79K |
| LINDQUIST LLP EIN 52-2385296 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $30K |
| SELLWOOD CONSULTING EIN 80-0827237 NONE | Direct payment from the plan; Consulting (pension) Service code 17 | — | $25K |
| MONDRESS MONACO PARR LOCKWOOD PLLC EIN 91-1917286 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $18K |
| WELLS FARGO EIN 94-1347393 NONE | Direct payment from the plan; Other services; Custodial (securities) Service code 19 | — | $11K |
| US BANK EIN 31-0841368 NONE | Direct payment from the plan; Other services; Custodial (securities) Service code 19 | — | $6K |
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 | 3,236 | 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) | 3,236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFEMAP ASSURANCE COMPANY | 3,036 | $1.1M |
| Long-term disability | LIFEMAP ASSURANCE COMPANY | 3,036 | $1.1M |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 3,640 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,640 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.