| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1300 SW 5TH, SUITE 500 PORTLAND, OR 97201 | SYMETRA LIFE INSURANCE COMPANY | $37K | $24K | $62K | 2.76% |
| CONNEXION INSURANCE SOLUTIONS3 | 9725 3RD AVENUE NE, SUITE 110 SEATTLE, WA 98115 | SYMETRA LIFE INSURANCE COMPANY | $52K | $8K | $60K | 2.69% |
| USI INSURANCE SERVICES LLC3 | 601 UNION STREET, SUITE 1000 SEATTLE, WA 98101 | SYMETRA LIFE INSURANCE COMPANY | $25K | $7K | $31K | 1.40% |
| USI INSURANCE SERVICES LLC3 | 825 NE MULTNOMAH STREET, SUITE 1500 PORTLAND, OR 97232 | DELTA DENTAL OF WASHINGTON | $11 | $0 | $11 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 825 NE MULTNOMAH STREET, SUITE 1500 PORTLAND, OR 97232 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.00% |
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 | 932 | 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) | 932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 766 | $12.5M |
| Dental | DELTA DENTAL OF WASHINGTON | 1,514 | $765K |
| Vision | VISION SERVICE PLAN | 722 | $78K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 932 | $2.2M |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 932 | $2.2M |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 932 | $2.2M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 766 | $12.5M |
| Other | SYMETRA LIFE INSURANCE COMPANY | 932 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,514 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.