| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $4K | — | $4K | 14.92% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.49% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $416 | $416 | 1.50% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $532 | $2K | 20.40% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $148 | $148 | 1.50% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $739 | — | $739 | 7.54% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $461 | $2K | 20.44% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $127 | $127 | 1.50% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVE., NE BELLEVUE, WA 98004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $565 | $206 | $771 | 20.45% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE STREET CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $57 | $57 | 1.51% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 40 | $30K |
| Vision | VISION SERVICE PLAN | 115 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $12K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 43 | $38K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.