| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK INSURANCE LLC | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | PREMERA BLUE CROSS | — | $111K | $111K | 0.98% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVE NE STE 110 SEATTLE, WA 98115 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $29K | $29K | 9.17% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK INSURANCE LLC | 10400 NE 4TH STREET SUITE 900 BELLEVUE, WA 98004 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | $21K | — | $21K | 6.74% |
| IMA, INC.3 Filed as: IMA INC | 430 E DOUGLAS STE 400 WICHITA, KS 67202 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 1.69% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | — | $5K | $5K | 1.55% |
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 | 1,255 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 1,138 | $11.3M |
| Dental | PREMERA BLUE CROSS | 1,138 | $11.3M |
| Vision | PREMERA BLUE CROSS | 1,138 | $11.3M |
| Life insurance | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 452 | $316K |
| Long-term disability | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 452 | $316K |
| Prescription drug | PREMERA BLUE CROSS | 1,138 | $11.3M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE & ACCIDENT INSURANCE COMPANY | 452 | $376K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,138 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.