| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | PREMERA BLUE CROSS | $4K | $0 | $4K | 2.72% |
| DENALI BENEFITS, INC.3 | 3519 56TH STREET, SUITE 225 GIG HARBOR, WA 98335 | PREMERA BLUE CROSS | $3K | $0 | $3K | 2.25% |
| ALLIANT INSURANCE SERVICES, INC.3 | 2321 ROSECRANS AVENUE, 5TH FLOOR EL SEGUNDO, CA 90245 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 9.92% |
| DENALI BENEFITS, INC.3 | 3519 56TH STREET, SUITE 225 GIG HARBOR, WA 98335 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD GBS FINANCE 5TH FLOOR ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $498 | $498 | 1.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $832 | $0 | $832 | 4.27% |
| DENALI BENEFITS, INC.3 | 3519 56TH STREET, SUITE 225 GIG HARBOR, WA 98335 | VISION SERVICE PLAN | $637 | $0 | $637 | 3.27% |
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 | 205 | 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) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PREMERA BLUE CROSS | 215 | $155K |
| Vision | VISION SERVICE PLAN | 143 | $20K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $30K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 205 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.