| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO. | PO BOX 62949 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.40% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1629 29TH PL SW BURIEN, WA 98166 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $269 | $269 | 0.24% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO. | PO BOX 62949 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 3.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1629 29TH PL SW BURIEN, WA 98166 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $239 | $239 | 0.24% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHWEST DBA OF KIBBLE & | 601 UNION STREET STE 1000 SEATTLE, WA 98101 | UNUM INSURANCE COMPANY | $4K | — | $4K | 7.42% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1629 29TH PL SW BURIEN, WA 98166 | UNUM INSURANCE COMPANY | $1K | $98 | $1K | 2.80% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO. | PO BOX 62949 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | — | $1K | $1K | 2.22% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHWEST DBA OF KIBBLE & | 601 UNION ST STE 1000 SEATTLE, WA 98101 | UNUM INSURANCE COMPANY | $1K | — | $1K | 3.57% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO. | PO BOX 62949 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | — | $881 | $881 | 2.14% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1629 29TH PL SW BURIEN, WA 98166 | UNUM INSURANCE COMPANY | $593 | $95 | $688 | 1.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI NORTHWEST DBA OF KIBBLE & | 601 UNION ST STE 1000 SEATTLE, WA 98101 | UNUM INSURANCE COMPANY | $746 | — | $746 | 2.24% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE HOLDING CO. | PO BOX 62949 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | — | $746 | $746 | 2.24% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1629 29TH PL SW BURIEN, WA 98166 | UNUM INSURANCE COMPANY | $256 | $66 | $322 | 0.96% |
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 | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 210 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $211K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $112K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 254 | $333K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.