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| Provider | Services | Address | Compensation |
|---|---|---|---|
| SYMETRA THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | 777 108TH AVE. NE, STE. 1200 BELLEVUE, WA 98004 | $80K |
| CONTINENTAL BENEFITS EIN 38-3919227 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $77K |
| FAIRMONT FINANCIAL SERVICES EIN 11-3039402 FINANCIAL SERVICES | Accounting (including auditing); Trustee (bank, trust company, or similar financial institution) Service code 10 | — | $52K |
| 6 DEGREES EIN 81-4242649 COST CONTAINMENT | Other services Service code 49 | — | $50K |
| CIGNA EIN 45-2712335 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $12K |
| MEDWATCH EIN 81-2001223 COST CONTAINMENT | Other services Service code 49 | — | $4K |
| PHIA GROUP EIN 46-1439866 CONSULTING | Consulting (general) Service code 16 | — | $3K |
| HEALTH EQUITY EIN 20-1736437 THIRD PARTY ADMINISTRATO | Contract Administrator Service code 13 | — | $1K |
| MD LIVE EIN 55-0589679 TELEHEALTH | Contract Administrator Service code 13 | — | $835 |
| EXCESS REINSURANCE UNDERWRITERS EIN 22-2945293 STOP LOSS CARRIER | Contract Administrator Service code 13 | — | -$3K |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $389K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $389K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $389K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $389K |
| Stop-loss / reinsurancereinsurance | STRATEGIC BENEFIT RESOURCES | 160 | $219K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 450 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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.