| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | P.O. BOX 948 HENRIETTA, NY 14467 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $26K | $4K | $30K | 1.56% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | P.O. BOX 948 HENRIETTA, NY 14467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 6.43% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 4.20% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | P.O. BOX 948 HENRIETTA, NY 14467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 6.75% |
| PARKER SMITH & FEEK INC.3 | 10400 NE 4TH STREET BELLEVUE, WA 98004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $640 | — | $640 | 3.33% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | P.O. BOX 948 HENRIETTA, NY 14467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 6.66% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $716 | — | $716 | 4.13% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | P.O. BOX 948 HENRIETTA, NY 14467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 12.82% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $866 | — | $866 | 7.17% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | P.O. BOX 948 HENRIETTA, NY 14467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.53% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $163 | — | $163 | 1.40% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | P.O. BOX 948 HENRIETTA, NY 14467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 13.09% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $182 | — | $182 | 1.92% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY | P.O. BOX 948 HENRIETTA, NY 14467 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $286 | — | $286 | 13.11% |
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $41 | — | $41 | 1.88% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 120 | $1.9M |
| Dental | REGENCE BLUECROSS BLUESHIELD OF OREGON | 120 | $1.9M |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 143 | $19K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $29K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 172 | $30K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 167 | $10K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 120 | $1.9M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 100 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.