| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 141 WEST JACKSON BOULEVARD SUITE 1100 CHICAGO, IL 60604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $61K | $72K | 2.19% |
| PROSYNC INSURANCE SERVICES, LLC3 | 126 WELLS AVENUE SOUTH RENTON, WA 98057 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $62K | $70K | 2.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $15K | $0 | $15K | 5.86% |
| PROSYNC INSURANCE SERVICES, LLC3 | 126 WELLS AVENUE SOUTH RENTON, WA 98057 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 4.14% |
| PROSYNC INSURANCE SERVICES, LLC3 | 126 WELLS AVENUE SOUTH RENTON, WA 98057 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $962 | $11K | 7.73% |
| INTEGRITY INS. INC. AND OTHER AGENT3 | 123 PINE VALLEY DRIVE MIDDLETOWN, DE 19709 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $524 | $5K | 3.45% |
| ELIZABETH BETTRIDGE3 | 22211 6TH AVENUE SOUTH DES MOINES, WA 98198 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 2.90% |
| MEGAN ELIZABETH CASTO3 | UNKNOWN COLUMBIA, SC 29202 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $804 | $3K | 2.40% |
| WA EMPLOYEE BENEFITS LLC3 | 28313 REDONDO WAY SOUTH, SUITE 105 DES MOINES, WA 98198 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $2K | $3K | 2.30% |
| MARY DAUGHERTY3 | 7625 STAR GAZING LANE KNOXVILLE, TN 37938 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $266 | $2K | 1.12% |
| MELLONEASE KIRKSEY3 | 1664 CEDAR SPRINGS COURT CLARKSVILLE, TN 37042 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $899 | $94 | $993 | 0.73% |
| MEGAN ELIZABETH CASTO3 | UNKNOWN COLUMBIA, SC 29202 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | $3 | $33 | 1.41% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY INSURANCE INC. | 123 PINE VALLEY DRIVE MIDDLETOWN, DE 19709 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | $0 | $29 | 1.24% |
| SUSAN MAE DANIEL3 Filed as: SUSAN FORSYTH | 2635 HAUSER BOULEVARD LOS ANGELES, CA 90016 | THE PAUL REVERE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 1.07% |
| WA EMPLOYEE BENEFITS LLC3 Filed as: WA EMPLOYEE BNEFITS LLC | 28313 REDONDO WAY SOUTH, SUITE 105 DES MOINES, WA 98198 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16 | $0 | $16 | 0.68% |
| ELIZABETH BETTRIDGE3 | 22211 6TH AVENUE SOUTH DES MOINES, WA 98198 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.34% |
| RICH IN BENEFITS INC3 Filed as: RICH IN BENEFITS INC. | 13109 NE 123RD STREET KIRKLAND, WA 98034 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.09% |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 318 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 318 | $3.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 318 | $3.3M |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 306 | $392K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 306 | $254K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 306 | $254K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 318 | $3.3M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 318 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.