| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE, AVENUE 800 SPOKANE, WA 99201 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | $0 | $42K | 2.50% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $1K | $1K | 0.07% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE, AVENUE 800 SPOKANE, WA 99201 | DELTA DENTAL OF WASHINGTON | $7K | $0 | $7K | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION STREET, SUITE 3100 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 12.26% |
| ALLIANT INSURANCE SERVICES, INC.3 | 818 WEST RIVERSIDE, AVENUE 800 SPOKANE, WA 99201 | SYMETRA LIFE INSURANCE COMPANY | $661 | $0 | $661 | 1.71% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SUITE 300 SAN DIEGO, CA 92101 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | $768 | $0 | $768 | 4.55% |
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 | 152 | 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) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $1.7M |
| Dental | DELTA DENTAL OF WASHINGTON | 240 | $146K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 248 | $17K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 0 | $39K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $39K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 0 | $39K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 254 | $1.7M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 0 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.