| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BTG AND ASSOCIATES LLC3 Filed as: BTG AND ASSOCIATES, LLC | 345 118TH AVENUE SE, SUITE 210 BELLEVUE, WA 98005 | UNITEDHEALTHCARE INSURANCE COMPANY | $268K | $0 | $268K | 2.53% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICES, LLC | 345 118TH AVENUE SE, SUITE 210 BELLEVUE, WA 98005 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | $0 | $41K | 0.39% |
| BTG AND ASSOCIATES LLC3 Filed as: BTG BENEFITS | 345 118TH AVENUE SE, SUITE 210 BELLEVUE, WA 98005 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $15K | — | $15K | 4.00% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 345 118TH AVENUE SE, SUITE 210 BELLEVUE, WA 98005 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $1K | — | $1K | 0.31% |
| BTG AND ASSOCIATES LLC3 Filed as: BTG BENEFITS | 345 118TH AVENUE SE, SUITE 210 BELLEVUE, WA 98005 | VISION SERVICE PLAN | $7K | — | $7K | 6.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 345 118TH AVENUE SE, SUITE 210 BELLEVUE, WA 98005 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 4.03% |
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 | 1,066 | 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) | 1,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,434 | $11.6M |
| Dental(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,434 | $11.9M |
| Vision | VISION SERVICE PLAN | 1,119 | $106K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 2,434 | $10.6M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 2,434 | $10.6M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 2,434 | $10.6M |
| Prescription drug(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,434 | $11.6M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 2,434 | $10.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,434 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.