| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER SMITH & FEEK INC.3 | 200 SW MARKET STREET PORTLAND, OR 97201 | AMERITAS LIFE INSURANCE CORP. | $9K | — | $9K | 5.00% |
| IMA, INC.3 Filed as: IMA INC. | 1705 17TH STREET DENVER, CO 80202 | AMERITAS LIFE INSURANCE CORP. | — | $7K | $7K | 3.93% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.91% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE STREET CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $787 | $787 | 0.91% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK | 2233 112TH AVE., NE BELLEVUE, WA 98004 | MEDIEXCEL HEALTH PLAN | $5K | — | $5K | 7.91% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $7K | — | $7K | 14.71% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE STREET CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $469 | $469 | 0.95% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 14.70% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 227 W MONROE STREET CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $358 | $358 | 0.87% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 6.19% |
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 | 272 | 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) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDIEXCEL HEALTH PLAN | 30 | $101K |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 275 | $254K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 275 | $254K |
| Life insurance | STANDARD INSURANCE COMPANY | 253 | $41K |
| Short-term disability | STANDARD INSURANCE COMPANY | 333 | $87K |
| Long-term disability | STANDARD INSURANCE COMPANY | 288 | $49K |
| Prescription drug(2 contracts, 2 carriers) | MEDIEXCEL HEALTH PLAN | 30 | $101K |
| Other | STANDARD INSURANCE COMPANY | 253 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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.