| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | PREMERA BLUE CROSS | $130K | $8K | $137K | 5.30% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $7K | $19K | 11.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 18.79% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $150 | $1K | 6.09% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY STE. 1950 ATLANTA, GA 30339 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.40% |
| AP BENEFIT ADVISORS, LLC3 | 10 N. PARK DR. STE. 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $99 | $99 | 0.46% |
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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 272 | $2.6M |
| Dental | PREMERA BLUE CROSS | 272 | $2.6M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 257 | $21K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $232K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $162K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $162K |
| Prescription drug | PREMERA BLUE CROSS | 272 | $2.6M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 312 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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."
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.