| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS WA / MCM | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | UNITED HEALTHCARE INSURANCE COMPANY | $75K | — | $75K | 3.94% |
| MCM3 | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.00% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 S. MICHIGAN AVE., STE. 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $96 | $96 | 0.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS WA / MCM | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | VISION SERVICE PLAN | $990 | — | $990 | 5.91% |
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 | 283 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 218 | $1.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 225 | $198K |
| Vision | VISION SERVICE PLAN | 215 | $17K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 283 | $117K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 283 | $117K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 283 | $117K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 218 | $1.9M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 283 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
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.