| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUEBENEFITS LLC3 | 1325 4TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | REGENCE BLUESHIELD | $104K | $10K | $113K | 4.94% |
| TRUEBENEFITS LLC3 | 1325 4TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $8K | $0 | $8K | 4.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF WASHINGTON | $860 | $0 | $860 | 0.50% |
| TRUEBENEFITS LLC3 | 1325 4TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 17.85% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.94% |
| TRUEBENEFITS LLC3 | 1325 4TH AVENUE, SUITE 1900 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.22% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUESHIELD | 522 | $2.3M |
| Dental | DELTA DENTAL OF WASHINGTON | 526 | $173K |
| Vision | VISION SERVICE PLAN | 237 | $24K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $116K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $116K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $116K |
| Prescription drug | REGENCE BLUESHIELD | 522 | $2.3M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 277 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.