| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | STANDARD INSURANCE COMPANY | $10K | $3K | $13K | 10.61% |
| LOCKTON COMPANIES, LLC3 | 5500 WAYZATA BOULEVARD MINNEAPOLIS, MN 55416 | AETNA LIFE INSURANCE COMPANY | $11K | $503 | $11K | 10.25% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 6.48% |
| SUSAN B. WRIGHT3 | 4923 LAKERIDGE DRIVE EAST LAKE TAPPS, WA 98391 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 4.93% |
| DAVID ROJAS3 | 169 EAGLE RIDGE DRIVE EAST PUYALLUP, WA 98374 | CONTINENTAL AMERICAN INSURANCE COMPANY | $382 | $0 | $382 | 1.30% |
| JAMEY MILLER INC3 Filed as: JAMEY J. MILLER | 12942 193RD AVENUE EAST BONNEY LAKE, WA 98391 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | $0 | $48 | 0.16% |
| THE WRIGHT BENEFITS LLC3 Filed as: THE WRIGHT BENEFITS, LLC | 4923 LAKERIDGE DRIVE EAST LAKE TAPPS, WA 98391 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 297 | $111K |
| Vision | AETNA LIFE INSURANCE COMPANY | 297 | $111K |
| Life insurance | STANDARD INSURANCE COMPANY | 224 | $123K |
| Short-term disability | STANDARD INSURANCE COMPANY | 224 | $123K |
| Long-term disability | STANDARD INSURANCE COMPANY | 224 | $123K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 224 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.