| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VERASOURCE3 | 8525 EDINBROOK CROSSING SUITE 108 BROOKLYN PARK, MN 55443 | ZURICH AMERICAN INS CO | — | $27K | $27K | 5.00% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & O NEILL LIFE IN | 818 W RIVERSIDE SUITE 800 SPOKANE, WA 99201 | LIFE INSURANCE COM OF NORTH AMERICA | $14K | $12K | $26K | 9.95% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & O NEILL LIFE IN | 818 W RIVERSIDE SUITE 800 SPOKANE, WA 99201 | LIFE INSURANCE COM OF NORTH AMERICA | — | $4K | $4K | 4.09% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & O NEILL LIFE IN | 818 W RIVERSIDE SUITE 800 SPOKANE, WA 99201 | LIFE INSURANCE COM OF NORTH AMERICA | $318 | $2K | $2K | 6.57% |
| COTTER CONSULTING & BENEFITS INC3 Filed as: COTTER CONSULTING & OTHER AGENTS | 13526 160TH AVE NE REDMOND, WA 98052 | AFLAC | $2K | — | $2K | 10.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES | PO BOX 84581 SEATTLE, WA 98124 | AFLAC | $352 | — | $352 | 1.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMINISTRATOR | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $367K |
| FIRST CHOICE HLTH NTWK EIN 91-1272766 PPO VENDOR | Other fees; Direct payment from the plan Service code 50 | — | $43K |
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 | 682 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 691 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COM OF NORTH AMERICA | 682 | $256K |
| Long-term disability | LIFE INSURANCE COM OF NORTH AMERICA | 682 | $90K |
| Stop-loss / reinsurancereinsurance | ZURICH AMERICAN INS CO | 660 | $547K |
| Other(3 contracts, 2 carriers) | LIFE INSURANCE COM OF NORTH AMERICA | 682 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.
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.