| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY, INC. | 10811 MAIN STREET BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $37K | $481 | $37K | 9.89% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY, INC. | PO BOX 1788 GRAND RAPIDS, MI 49546 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $193 | $2K | 0.53% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY, INC. | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF WASHINGTON | $16K | $0 | $16K | 4.95% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY, INC. | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $3K | $0 | $3K | 5.00% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY, INC. | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.47% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.00% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $166 | $0 | $166 | 0.50% |
| TRUTINA FINANCIAL, LLC3 | 10811 MAIN STREET BELLEVUE, WA 98004 | VISION SERVICE PLAN | $1 | $0 | $1 | 0.00% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY, INC. | 19401 40TH AVENUE WEST, SUITE 405 LYNNWOOD, WA 98036 | UNUM INSURANCE COMPANY | $888 | $36 | $924 | 2.88% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY, INC. | PO BOX 1788 GRAND RAPIDS, MI 49546 | UNUM INSURANCE COMPANY | $74 | $19 | $93 | 0.29% |
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 | 309 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 501 | $379K |
| Vision | VISION SERVICE PLAN | 316 | $33K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $375K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $375K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $375K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 332 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 501 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.