| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC. Filed as: ALLIANT INSURANCE SERVICES INC | 818 W. RIVERSIDE AVE. STE 800 SPOKANE, WA 99201 | PREMERA BLUE CROSS | — | $5K | $5K | 0.24% |
| MOLONEY & ONEILL LIFE INC | 818 W RIVERSIDE AVE. STE 800 SPOKANE, WA 992010913 | LIFEWISE ASSURANCE COMPANY | $20K | — | $20K | 3.91% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS EIN 91-0499247 | Insurance services; Other services Service code 23 | PO BOX 91059 SEATTLE, WA 98111 | $10K |
| ESI EIN 22-3461740 | Insurance services Service code 23 | — | $4K |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 186 | $1.9M |
| Dental | DELTA DENTAL OF WASHINGTON | 184 | $219K |
| Vision | PREMERA BLUE CROSS | 186 | $1.9M |
| Prescription drug | PREMERA BLUE CROSS | 186 | $1.9M |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 182 | $523K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.