| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHCARE MANAGEMENT ADMINISTRATOR5 | 10700 NORTHUP WAY, SUITE 100 BELLEVUE, WA 98004 | SUN LIFE OF CANADA | — | $114K | $114K | 19.79% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1325 4TH AVE, SUITE 1425 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $914 | $914 | 3.75% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $228 | $228 | 0.93% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INSURANCE AGENCY | 1325 4TH AVE, SUITE 1425 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $358 | $358 | 4.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS AGENCY OF VA, INC | 11220 ASSETT LOOP MANASSAS, VA 20109 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $89 | $89 | 1.00% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $24K |
| Stop-loss / reinsurancereinsurance | SUN LIFE OF CANADA | 218 | $578K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 218 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.