| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | LOCKBOX 95287 CHICAGO, IL 60604 | PREMERA BLUE CROSS | $90K | $13K | $103K | 5.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $8K | $0 | $8K | 7.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 777 108TH AVENUE NE, SUITE 200 BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 10.63% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH AND FEEK | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $82 | $1K | 2.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $642 | $642 | 1.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $276 | $276 | 0.86% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH AND FEEK | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | UNUM INSURANCE COMPANY | $0 | $204 | $204 | 0.64% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH AND FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $3K | $0 | $3K | 9.13% |
| TOTAL BENEFIT SOLUTIONS3 | 3911 CASTLEVALE ROAD, SUITE 105 YAKIMA, WA 98902 | VISION SERVICE PLAN | $240 | $0 | $240 | 0.87% |
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 | 386 | 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) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 390 | $1.7M |
| Dental(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 390 | $1.8M |
| Vision | VISION SERVICE PLAN | 350 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $62K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $62K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $62K |
| Prescription drug | PREMERA BLUE CROSS | 390 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 386 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.