| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 401 UNION ST STE 3100 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $54K | $54K | 5.38% |
| BENEFIT ADVISORS SERVICES GROUP LLC3 | 1125 SANCTUARY PKWY SUITE 300 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 2.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD NONE | Claims processing; Direct payment from the plan Service code 12 | 3645 S ALICE ST HELENA, MT 59601 | $670K |
| SMITH RX NONE | Direct payment from the plan; Claims processing Service code 12 | PO BOX 124025 DALLAS, TX 75312 | $342K |
| ANCHOR BENEFIT CONSULTING NONE | Other services; Direct payment from the plan Service code 49 | 2400 MAITLAND CENTER PKWY #111 MAITLAND, FL 32751 | $285K |
| AW REHN AND ASSOCIATES NONE | Copying and duplicating; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | PO BOX 5433 SPOKANE, WA 99205 | $266K |
| HEALTHJOY NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 776932 CHICAGO, IL 606775932 | $120K |
| ALLIANT INSURANCE SERVICES NONE | Consulting (general); Direct payment from the plan Service code 16 | PO BOX 8377 PASADINA, CA 91109 | $101K |
| CLIFTONLARSONALLEN, LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $95K |
| DELTA DENTAL NONE | Direct payment from the plan; Claims processing Service code 12 | 400 FAIRVIEW AVE N, STE 800 SEATTLE, WA 98109 | $61K |
| RX ACCESS, INC. NONE | Claims processing; Direct payment from the plan Service code 12 | 11841 NORTH 11TH WAY BOISE, ID 83714 | $27K |
| RENALOGIC NONE | Other services; Direct payment from the plan Service code 49 | PO BOX 3890 SEATTLE, WA 98124 | $22K |
| TURNER, STOEVE & GAGLIARDI PS EIN 91-1285206 NONE | Legal; Direct payment from the plan Service code 29 | — | $20K |
| VISION SERVICE PLAN EIN 23-7089668 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $15K |
| IT STARTS WITH ME NONE | Direct payment from the plan; Other services Service code 49 | 29 FIRST MISSOULA ROAD MISSOULA, MT 59804 | $13K |
| HILDI INC NONE | Actuarial; Direct payment from the plan Service code 11 | 8000 NORMAN CENTER DR #400 BLOOMINGTON, MN 55437 | $6K |
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 | 1,203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 219 | $324K |
| Vision | HUMANA INSURANCE COMPANY | 219 | $324K |
| Prescription drug | HUMANA INSURANCE COMPANY | 219 | $324K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,256 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,256 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.