| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS WEST INC3 Filed as: BENEFITS WEST | 19707 44TH AVENUE WEST #201 LYNNWOOD, WA 98036 | HM LIFE INSURANCE COMPANY | $43K | $0 | $43K | 3.00% |
| BENEFITS WEST INC3 Filed as: BENEFITS WEST | 19707 44TH AVENUE WEST #201 LYNNWOOD, WA 98036 | DELTA DENTAL OF WASHINGTON | $38K | $0 | $38K | 2.95% |
| BENEFITS WEST INC3 Filed as: BENEFITS WEST | 19707 44TH AVENUE WEST #201 LYNNWOOD, WA 98036 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $14K | $0 | $14K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HM LIFE INSURANCE SERVICES EIN 06-1041332 0 | Insurance services Service code 23 | — | $1.4M |
| HEALTHCARE MANAGEMENT ADMINISTRATOR EIN 91-1333840 0 | Contract Administrator Service code 13 | 10700 NORTHUP WAY #100 BELLEVUE, WA 98004 | $701K |
| BENEFITS WEST EIN 91-2151589 0 | Insurance agents and brokers Service code 22 | 19707 44TH AVE WEST SUITE 201 LYNNWOOD, WA 98036 | $190K |
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 | 2,012 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,026 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 3,085 | $1.3M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,655 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,085 | — |
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.