| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WOODWARD BENEFITS LLC3 | 2129 MALTBY RD AA1 BOTHELL, WA 98021 | VISION SERVICE PLAN | $82K | $0 | $82K | 3.57% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2200 RIMLAND DR STE 305 BELLINGHAM, WA 98226 | VISION SERVICE PLAN | $551 | $0 | $551 | 0.02% |
| BENEFITS SOLUTIONS NORTHWEST3 | 12930 PACIFIC HWY SW STE 205 LAKEWOOD, WA 98499 | VISION SERVICE PLAN | $393 | $0 | $393 | 0.02% |
| WOODWARD BENEFITS LLC3 Filed as: WOODWARD BENEFITS LCC | 2129 MALTBY RD AA1 BOTHELL, WA 98021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $0 | $21K | 6.37% |
| PCF INSURANCE SERVICES OF THE WEST3 | 2200 RIMLAND DR STE 305 BELLINGHAM, WA 98226 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.67% |
| BENEFIT SOLUTIONS NW3 | 12930 PACIFIC HWY SW STE 205 LAKEWOOD, WA 98499 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 0.85% |
| WOODWARD BENEFITS LLC3 | 7100 EVERGREEN WAY STE F EVERETT, WA 98203 | STANDARD INSURANCE COMPANY | $1K | $0 | $1K | 11.19% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SERVICES OF THE WEST, | 1400 BROADWAY BELLINGHAM, WA 98225 | STANDARD INSURANCE COMPANY | $518 | $0 | $518 | 4.58% |
| BENEFIT SOLUTIONS NORTHWEST LLC3 | 10828 GRAVELLY LAKE DR SW STE 205 LAKEWOOD, WA 98445 | STANDARD INSURANCE COMPANY | $413 | $0 | $413 | 3.65% |
| WOODWARD BENEFITS LLC3 | 7100 EVERGREEN WAY STE F EVERETT, WA 98203 | STANDARD INSURANCE COMPANY | $574 | $0 | $574 | 12.03% |
| BENEFIT SOLUTIONS NORTHWEST LLC3 | 10828 GRAVELLY LAKE DR SW STE 205 LAKEWOOD, WA 98445 | STANDARD INSURANCE COMPANY | $215 | $0 | $215 | 4.50% |
| PCF INSURANCE SERVICES OF THE WEST3 | 1400 BROADWAY BELLINGHAM, WA 98225 | STANDARD INSURANCE COMPANY | $165 | $0 | $165 | 3.46% |
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. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $332K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $332K |
| Vision | VISION SERVICE PLAN | 104 | $2.3M |
| Life insurance | STANDARD INSURANCE COMPANY | 128 | $11K |
| Long-term disability | STANDARD INSURANCE COMPANY | 12 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.