| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELL-ANDERSON AGENCY INC3 Filed as: BELL ANDERSON AGENCY INC. - BW | 600 SW 39TH STE 200 RENTON, WA 98057 | DELTA DENTAL OF WASHINGTON | $44K | $0 | $44K | 3.00% |
| BENEFITS WEST INC3 Filed as: BENEFITS WEST | 1707 44TH AVENUE WEST #201 LYNWOOD, WA 98036 | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON | $18K | $0 | $18K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| QBE NORTH AMERICA EIN 27-0918826 NONE | Insurance services Service code 23 | 55 WATER STREET NEW YORK, NY 10041 | $1.5M |
| HEALTHCARE MANAGEMENT ADMINISTRATOR EIN 91-1333840 NONE | Contract Administrator Service code 13 | 10700 NORTHUP WAY #110 BELLEVUE, WA 98004 | $599K |
| BELL-ANDERSON AGENCY EIN 91-0756278 NONE | Insurance agents and brokers Service code 22 | 600 SW 39TH STE 200 RENTON, WA 98057 | $180K |
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 | 2,063 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 3,050 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,050 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.