| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY | 19401 40TH AVENUE LYNNWOOD, WA 98036 | DELTA DENTAL OF WASHINGTON | $8K | — | $8K | 2.96% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST | 3155 OLSEN DRIVE SAN JOSE, CA 95117 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 2.04% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY | 19401 40TH AVENUE LYNNWOOD, WA 98036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $10K | 5.43% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.75% |
| ACRISURE LLC3 Filed as: ACRISURE PARTNERS WEST | 3155 OLSEN DRIVE SAN JOSE, CA 95117 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $2K | — | $2K | 3.39% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $908 | — | $908 | 1.60% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY | 19401 40TH AVENUE LYNNWOOD, WA 98036 | VISION SERVICE PLAN | $1K | — | $1K | 4.12% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $821 | — | $821 | 3.04% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $574 | — | $574 | 2.13% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR | 7979 OLD GEORGETOWN ROAD BETHESDA, MD 20814 | VISION SERVICE PLAN | $135 | — | $135 | 0.50% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY | 19401 40TH AVENUE LYNNWOOD, WA 98036 | UNUM INSURANCE COMPANY | $515 | $215 | $730 | 2.88% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNUM INSURANCE COMPANY | $185 | — | $185 | 0.73% |
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 | 270 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WASHINGTON | 217 | $331K |
| Vision | VISION SERVICE PLAN | 248 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $177K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $177K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $177K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 270 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.
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.