| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SK INSURANCE SERVICES LLC3 | PO BOX 10448 YAKIMA, WA 98908 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 0.42% |
| SK INSURANCE SERVICES LLC3 | 6827 NORTH CORNWALL STREET COEUR D ALENE, ID 83815 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $2K | — | $2K | 1.99% |
| SK INSURANCE SERVICES LLC3 | 3911 CASTLEVALE ROAD SUITE 105 YAKIMA, WA 98902 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.33% |
| SK INSURANCE SERVICES LLC3 Filed as: SK INSURANCE SERVICES | — | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 6.63% |
| SK INSURANCE SERVICES LLC3 | 3911 CASTLEVALE ROAD SUITE 105 YAKIMA, WA 98902 | SAFEGUARD HEALTH PLANS, INC. A CALIFORNIA CORPORATION | $42 | — | $42 | 4.80% |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 529 | $2.8M |
| Dental(5 contracts, 4 carriers) | AETNA LIFE INSURANCE COMPANY | 529 | $2.5M |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 529 | $2.4M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $153K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $153K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 267 | $153K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 392 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 529 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.