| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3000 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $263 | $7K | $8K | 9.70% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVENUE NE, SUITE 110 SEATTLE, WA 98115 | SYMETRA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE, SUITE 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.11% |
| NAVA BENEFITS3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | SYMETRA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.64% |
| NAVA BENEFITS3 Filed as: NAVA | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $818 | $0 | $818 | 3.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | UNKNOWN SEATTLE, WA 98134 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $246 | $0 | $246 | 0.91% |
| ADVOCATE, INC.3 | 228 PARK AVENUE SOUTH NEW YORK, NY 10003 | VISION SERVICE PLAN | $601 | $0 | $601 | 4.35% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $587 | $0 | $587 | 4.25% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 48 | $27K |
| Vision | VISION SERVICE PLAN | 113 | $14K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 128 | $79K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 128 | $79K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 128 | $79K |
| Other(2 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 135 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.