| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUTINA FINANCIAL, LLC3 | 10811 MAIN STREET BELLEVUE, WA 98004 | REGENCE BLUESHIELD | $107K | $6K | $113K | 5.34% |
| TRUTINA FINANCIAL, LLC3 | 10811 MAIN STREET BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | $0 | $32K | 9.93% |
| TRUTINA FINANCIAL, LLC3 | 10811 MAIN STREET BELLEVUE, WA 98004 | DELTA DENTAL OF WASHINGTON | $15K | $0 | $15K | 5.00% |
| TRUTINA FINANCIAL, LLC3 | 10811 MAIN STREET BELLEVUE, WA 98004 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $3K | $0 | $3K | 5.00% |
| TRUTINA FINANCIAL, LLC3 | 10811 MAIN STREET BELLEVUE, WA 98004 | VISION SERVICE PLAN | $923 | $0 | $923 | 2.94% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $159 | $0 | $159 | 0.51% |
| TRUTINA FINANCIAL, LLC3 | 10811 MAIN STREET BELLEVUE, WA 98004 | UNUM INSURANCE COMPANY | $736 | $0 | $736 | 3.00% |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 521 | $2.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 506 | $352K |
| Vision | VISION SERVICE PLAN | 325 | $31K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $318K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $318K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $318K |
| Prescription drug | REGENCE BLUESHIELD | 521 | $2.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 339 | $342K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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.