| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALIGHT SOLUTIONS3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 3.00% |
| ALIGHT SOLUTIONS3 | 901 MAIN ST STE 5800 DALLAS, TX 852023707 | METROPOLITAN LIFE INSURANCE COMPANY | $87 | — | $87 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 777 108TH AVE NE #200 BELLEVUE, WA 98004 | HUMANA INSURANCE COMPANY | $10K | — | $10K | 2.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE #200 BELLEVUE, WA 980045120 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 3.21% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AMERIBEN SOLUTIONS, INC. EIN 82-0252469 NONE | Plan Administrator Service code 14 | 3449 E COPPER POINT DRIVE MERIDIAN, ID 83642 | $455K |
| GALLAGHER BENEFIT SERVICES EIN 38-3770824 NONE | Consulting (general) Service code 16 | 13965 W CHINDEN BLVD STE 300 BOISE, ID 83713 | $250K |
| PREMERA EIN 91-1662324 NONE | Claims processing Service code 12 | 7001 220TH ST. SW MOUNTLAKE TERRACE, WA 98043 | $234K |
| NAVITUS EIN 04-3608530 NONE | Contract Administrator Service code 13 | 2601 WEST BELTLINE HIGHWAY SUITE 600 MADISON, WI 53713 | $93K |
| AMERIBEN EIN 82-0252469 NONE | Claims processing Service code 12 | 3449 E COPPER POINT DRIVE MERIDIAN, ID 83642 | $59K |
| VIVIO EIN 81-2714421 NONE | Contract Administrator Service code 13 | — | $45K |
| ALASKA VACCINE EIN 92-6001185 NONE | Other services Service code 49 | 2025 FIRST AVE SEATTLE, WA 98121 | $32K |
| INTEGRATED BEHAVIOR EIN 38-0851349 NONE | Claims processing Service code 12 | — | $18K |
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 | 782 | 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) | 782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 782 | $93K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,501 | $657K |
| Prescription drug(2 contracts) | HUMANA INSURANCE COMPANY | 203 | $532K |
| Stop-loss / reinsurancereinsurance | QBE A&H | 443 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,501 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.