| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILLAR INTERNATIONAL INSURANCE ADVI3 | 600 UNIVERSITY ST., STE 2800 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $3K | $0 | $3K | 3.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 777 108TH AVE NE STE 200 BELLEVUE, WA 98004 | REGENCE BLUESHIELD | $2K | $605 | $2K | 2.40% |
| PILLAR INTERNATIONAL INSURANCE ADVI3 | 600 UNIVERSITY ST. STE 2800 SEATTLE, WA 98101 | USABLE LIFE | $3K | $0 | $3K | 7.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLD RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $2K | $0 | $2K | 3.70% |
| REGENCE BLUESHIELD OF WASHINGTON3 | PO BOX 21267 M/S 323 SEATTLE, WA 98111 | USABLE LIFE | $1K | $0 | $1K | 2.10% |
| PILLAR INTERNATIONAL INS ADVISORS3 Filed as: PILLAR INTERNATIONAL INSURANCE | 600 UNIVERSITY ST STE 2800 SEATTLE, WA 98101 | VISION SERVICE PLAN | $785 | $0 | $785 | 5.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $450 | $0 | $450 | 2.90% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | REGENCE BLUESHIELD | 166 | $97K |
| Vision | VISION SERVICE PLAN | 113 | $16K |
| Life insurance | USABLE LIFE | 175 | $48K |
| Long-term disability | USABLE LIFE | 175 | $48K |
| Other | USABLE LIFE | 175 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.