| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK INC. | 121 SW MORRISON STREET SUITE 820 PORTLAND, OR 972043163 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 4.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENFIT SERVICES INC. | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 782165506 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 3.98% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NORTHEAST BELLEVUE, WA 980042936 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 7.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | SAN ANTONIO P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 4.63% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.68% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NORTHEAST BELLEVUE, WA 980042936 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.72% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | SAN ANTONIO P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.61% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 2.67% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK, INC. | 2233 112TH AVENUE N.E. BELLEVUE, WA 98004 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 601 NW LOOP 410 SUITE 325 SAN ANTONIO, TX 78216 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 3.68% |
| MJ INSURANCE3 Filed as: MJ INSURANCE, INC. | P.O. BOX 50435 INDIANAPOLIS, IN 46250 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $305 | — | $305 | 0.85% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NORTHWEST BELLEVUE, WA 980042936 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | SAN ANTONIO P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 4.61% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $683 | — | $683 | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | P.O. BOX 782324 SAN ANTONIO, TX 782782324 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $278 | $5K | 24.28% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $183 | $3K | 13.89% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 980042936 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $251 | $2K | 10.05% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NORTHEAST BELLEVUE, WA 980042936 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 7.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | SAN ANTONIO P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $759 | — | $759 | 4.60% |
| MJ INSURANCE3 Filed as: MJ INSURANCE INC. | 571 MONON BOULEVARD SUITE 400 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $470 | — | $470 | 2.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER VOLUNTARY BENEFITS | P.O. BOX 782324 SAN ANTONIO, TX 782782324 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $142 | $3K | 23.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $122 | $2K | 13.79% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK INC | 2233 112TH AVENUE NE BELLEVUE, WA 980042936 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $22 | $1K | 10.20% |
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 | 417 | 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) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $191K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 551 | $36K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 418 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 206 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 419 | $24K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 418 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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.