| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | — | $36K | 9.83% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 6.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2000 S COLORADO TWR DENVER, CO 80222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$5K | $4K | -$1K | -0.34% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 7.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2000 S. COLORADO BLVD. DENVER, CO 80222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 2.25% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1865 W STATE ROAD LONGWOOD, FL 32750 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | — | $1K | 2.07% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $486 | — | $486 | 2.94% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $345 | — | $345 | 2.09% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $497 | — | $497 | 4.08% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $497 | — | $497 | 4.08% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $295 | — | $295 | 3.42% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $237 | — | $237 | 2.75% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $137 | — | $137 | 3.88% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | P.O. BOX 162207 ALTAMONTE SPRINGS, FL 32716 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $122 | — | $122 | 3.46% |
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 | 170 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 152 | $362K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $57K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $12K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 44 | $17K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $12K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 170 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.