| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH AND FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $81K | — | $81K | 1.39% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | $65K | — | $65K | 1.10% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH AND FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.82% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH AND FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $675 | — | $675 | 3.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | VISION SERVICE PLAN | $401 | — | $401 | 2.09% |
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 | 1,130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,407 | $5.8M |
| Dental(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,407 | $6.0M |
| Vision(2 contracts, 2 carriers) | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,407 | $5.9M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 357 | $175K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 357 | $175K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 357 | $175K |
| Prescription drug | ROCKY MOUNTAIN HOSPITAL AND MEDICAL SERVICE, INC. | 1,407 | $5.8M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 886 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,407 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.