| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE INC | 501 NORTH RIVER POINT SUITE 403 SPOKANE, WA 99202 | ASURIS NORTHWEST HEALTH | $88 | $6K | $6K | 0.61% |
| PROPEL INSURANCE3 | — | WILLAMETTE DENTAL OF WASHINGTON, INC. | $8K | — | $8K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 4386 MISSOULA, MT 59806 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $56 | $4K | 14.50% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC | PO BOX 34315 M/S 320 SEATTLE, WA 98124 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $14 | $1K | 4.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $200 | $200 | 0.75% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | 2925 PALMER STREET SUITE B MISSOULA, MT 59808 | VISION SERVICE PLAN | $1K | — | $1K | 5.25% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 4386 MISSOULA, MT 59806 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $56 | $3K | 15.80% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS INC | PO BOX 34315 M/S 320 SEATTLE, WA 98124 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $14 | $1K | 7.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE | PO BOX 30638 BILLINGS, MT 59107 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 5.12% |
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 | 319 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | 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) | ASURIS NORTHWEST HEALTH | 274 | $1.0M |
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL OF WASHINGTON, INC. | 140 | $103K |
| Vision | VISION SERVICE PLAN | 200 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $21K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 140 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.