| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATLLE, WA 98101 | GROUP HEALTH OPTIONS, INC. | $49K | — | $49K | 4.22% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, SUITE 1500 SEATTLE, WA 98112 | DELTA DENTAL OF WASHINGTON | $10K | — | $10K | 7.99% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE, 15TH FLOOR SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $2K | $14K | 18.68% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | VISION SERVICE PLAN | $795 | — | $795 | 7.06% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE AND PRENTICE HOLDING CO. INC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $796 | — | $796 | 8.00% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | METROPOLITAN LIFE INSURANCE COMPANY | $199 | — | $199 | 2.00% |
| MASTERCARE SOLUTIONS, INC.3 | 10300 SW GREENBURG ROAD, SUITE 380 PORTLAND, OR 97223 | METROPOLITAN LIFE INSURANCE COMPANY | $199 | — | $199 | 2.00% |
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 | 153 | 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) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HEALTH OPTIONS, INC. | 188 | $1.2M |
| Dental | DELTA DENTAL OF WASHINGTON | 218 | $124K |
| Vision | VISION SERVICE PLAN | 153 | $11K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $75K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $75K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $75K |
| Prescription drug | GROUP HEALTH OPTIONS, INC. | 188 | $1.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.