| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIMARTINO ASSOCIATES3 | 1501 FOURTH AVE, SUITE 2400 SEATTLE, WA 98901 | STANDARD INSURANCE COMPANY | $38K | — | $38K | 16.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE AND PENSION ADMIN SERVICES EIN 91-1363171 NONE | Accounting (including auditing); Claims processing; Other services; Plan Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 10 | — | $156K |
| PREMERA BLUE CROSS EIN 91-0499247 NONE | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 12 | — | $134K |
| BROWN AND BROWN OF WASHINGTON EIN 91-0378940 NONE | Direct payment from the plan; Insurance agents and brokers; Consulting (general) Service code 16 | — | $122K |
| SPOKANE INTERNAL MEDICINE NONE | Direct payment from the plan; Other fees Service code 50 | 1215 N MCDONALD ROAD, SUITE 101 SPOKANE VALLEY, WA 99216 | $100K |
| BENEFIT PLANS ADMIN SERVICES INC EIN 16-1503696 NONE | Investment management fees paid directly by plan; Claims processing; Trustee (bank, trust company, or similar financial institution); Recordkeeping and information management (computing, tabulating, data processing, etc.); Sub-transfer agency fees; Custodial (other than securities); Investment advisory (plan) Service code 12 | — | $76K |
| INNOVATIVE CARE MANAGEMENT EIN 93-1087669 NONE | Other services; Direct payment from the plan Service code 49 | — | $36K |
| ANASTASI, MOORE & MARTIN, PLLC EIN 20-8149084 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $14K |
| MCKENZIE, ROTHWELL, BARLOW P.S. EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| CHANGE HEALTHCARE NONE | Direct payment from the plan; Other services Service code 49 | PO BOX 572490 MURRAY, UT 84157 | $8K |
| WASHINGTON CAPITAL MANAGEMENT, INC NONE | Investment management fees paid directly by plan; Investment management Service code 28 | 1200 SIXTH AVE, STE 700 SEATTLE, WA 98101 | $7K |
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 | 387 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 420 | $505K |
| Life insurance(2 contracts) | STANDARD INSURANCE COMPANY | 350 | $336K |
| Long-term disability | STANDARD INSURANCE COMPANY | 350 | $235K |
| Stop-loss / reinsurancereinsurance | LIFEWISE ASSURANCE COMPANY | 434 | $637K |
| Other | STANDARD INSURANCE COMPANY | 350 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.