| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 141 WEST JACKSON BOULEVARD SUITE 1000 CHICAGO, IL 60604 | PREMERA BLUE CROSS | $23K | $0 | $23K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 221 NORTH WALL STREET, SUITE 201 SPOKANE, WA 99201 | PREMERA BLUE CROSS | $0 | $5K | $5K | 1.09% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 221 NORTH WALL STREET, SUITE 224 SPOKANE, WA 99201 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $428 | $9K | 28.62% |
| CONNEXION INSURANCE SOLUTIONS3 Filed as: CONNEXION INSURANCE SOLUTIONS, INC | PO BOX 743979 LOS ANGELES, CA 90074 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $428 | $428 | 1.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $115 | $115 | 0.37% |
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 | 74 | 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) | 74 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 74 | $469K |
| Dental | PREMERA BLUE CROSS | 74 | $469K |
| Vision | PREMERA BLUE CROSS | 74 | $469K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 74 | $31K |
| Prescription drug | PREMERA BLUE CROSS | 74 | $469K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 74 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 74 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.