| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER 11, SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 0.26% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH AND FEEK, INC. | 121 SW MORRISON STREET, SUITE 820 PORTLAND, OR 97204 | UNITEDHEALTHCARE INSURANCE COMPANY | $222 | $0 | $222 | 0.02% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH AND FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $216 | $216 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 2106 PACIFIC AVENUE, SUITE 501 TACOMA, WA 98402 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.46% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF VIRGINIA, INC. | 11220 ASSETT LOOP, SUITE 304 MANASSAS, VA 20109 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.04% |
| TOTAL BENEFIT SOLUTIONS3 | PO BOX 10448 YAKIMA, WA 98909 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF WASHINGTON, INC. | 800 5TH AVENUE, SUITE 2400 SEATTLE, WA 98104 | VISION SERVICE PLAN | $2K | $0 | $2K | 6.25% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH AND FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $5 | $0 | $5 | 0.01% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 92 | $57K |
| Vision | VISION SERVICE PLAN | 347 | $35K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 92 | $57K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 92 | $57K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 92 | $57K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 280 | $1.5M |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 92 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.