| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 818 WEST RIVERSIDE, SUITE 800 SPOKANE, WA 99201 | HCC LIFE INSURANCE COMPANY | — | $10K | $10K | 3.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 701 B ST 6TH FLOOR SAN DIEGO, CA 92101 | LIFE INSURANCE COM OF NORTH AMERICA | $6K | $2K | $9K | 10.29% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | LIFE INSURANCE COM OF NORTH AMERICA | — | $2K | $2K | 3.30% |
| ALLIANT INSURANCE SERVICES, INC.7 Filed as: ALLIANT INSURANCE SERVICE | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.32% |
| COTTER CONSULTING & BENEFITS INC3 | 13526 160TH AVE NE REDMOND, WA 98052 | AFLAC | $712 | $3 | $715 | 2.14% |
| JAIME VALENTINI3 Filed as: JAIME S VALENTINI | 120 OAK ST ANACONDA, MT 59711 | AFLAC | $531 | — | $531 | 1.59% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $217 | $741 | $958 | 7.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHCOMP ADMINISTRATORS EIN 77-0385729 CONTRACT ADMIN | Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | — | $167K |
| FIRST CHOICE HLTH NTWK EIN 91-1272766 PPO VENDOR | Other fees; Direct payment from the plan Service code 50 | — | $19K |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COM OF NORTH AMERICA | 272 | $252K |
| Long-term disability | LIFE INSURANCE COM OF NORTH AMERICA | 272 | $57K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 271 | $319K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COM OF NORTH AMERICA | 272 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.