| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $253 | — | $253 | 3.46% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DR URBANDALE, IA 50323 | VISION SERVICE PLAN | $221 | — | $221 | 3.03% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $18 | — | $18 | 0.25% |
| BELL-ANDERSON AGENCY INC3 | 676B WOODLAND SQUARE LOOP SE STE 410 LACEY, WA 98503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $413 | $230 | $643 | 9.74% |
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST PARTNERS INS | 19401 40TH AVE W STE 440 LYNNWOOD, WA 98036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $578 | — | $578 | 8.75% |
| BELL-ANDERSON AGENCY INC3 | 676B WOODLAND SQUARE LOOP SE STE 410 LACEY, WA 98503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $273 | $47 | $320 | 5.97% |
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST PARTNERS INS | 19401 40TH AVE W STE 440 LYNWOOD, WA 98036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $263 | — | $263 | 4.90% |
| BELL-ANDERSON AGENCY INC3 | 676B WOODLAND SQUARE, LOOP SE STE 410 LACEY, WA 98503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $108 | $82 | $190 | 7.03% |
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST PARTNERS INS | 19401 40TH AVE W STE 440 LYNNWOOD, WA 98036 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $162 | — | $162 | 6.00% |
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 | 153 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 85 | $7K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $9K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.