| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WA | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $14K | — | $14K | 8.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WA | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $3K | — | $3K | 5.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WA | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $659 | $7K | 13.94% |
| AP BENEFIT ADVISORS, LLC3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | COMBINED INSURANCE COMPANY OF AMERICA | $954 | — | $954 | 4.70% |
| FRANK P DOHERTY3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | COMBINED INSURANCE COMPANY OF AMERICA | $616 | — | $616 | 3.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WA | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | VISION SERVICE PLAN | $1K | — | $1K | 5.55% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $97 | — | $97 | 0.50% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | COMBINED INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 31.22% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF WA | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | COMBINED INSURANCE COMPANY OF AMERICA | $576 | — | $576 | 3.78% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | WILLAMETTE DENTAL OF WASHINGTON, INC. | 319 | $248K |
| Vision | VISION SERVICE PLAN | 316 | $20K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $65K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $50K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.