| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL REED & SCHMITTEN INSURANCE | 124 EAST PENNY ROAD, SUITE 101 WENATCHEE, WA 98801 | PREMERA BLUE CROSS | $112K | — | $112K | 3.50% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL REED & SCHMITTEN INS, INC. | 124 EAST PENNY ROAD, SUITE 101 WENATCHEE, WA 98801 | DELTA DENTAL OF WASHINGTON | $11K | $0 | $11K | 5.00% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL REED & SCHMITTEN INS, INC. | 124 EAST PENNY ROAD, SUITE 101 WENATCHEE, WA 98801 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $0 | $25K | 15.00% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL REED & SCHMITTEN INSURANCE | 124 EAST PENNY ROAD, SUITE 101 WENATCHEE, WA 98801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 8.62% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL REED & SCHMITTEN INS, INC. | 124 EAST PENNY ROAD, SUITE 101 WENATCHEE, WA 98801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.84% |
| DOUGLAS G. THURSTON3 | 112 NW 114TH STREET VANCOUVER, WA 98685 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 2.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREEET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $587 | $0 | $587 | 1.65% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL REED & SCHMITTEN INSURANCE | 124 EAST PENNY ROAD, SUITE 101 WENATCHEE, WA 98801 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.00% |
| DOUGLAS G. THURSTON3 | 12 NW 114TH STREET VANCOUVER, WA 98685 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $564 | $564 | 5.00% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL REED & SCHMITTEN INSURANCE | 124 EAST PENNY ROAD, SUITE 101 WENATCHEE, WA 98801 | UNUM INSURANCE COMPANY | $247 | $0 | $247 | 3.00% |
| WORKSITE BENEFITS GROUP INC3 Filed as: WORKSITE BENEFITS GROUP, INC. | 112 NW 114TH STREET VANCOUVER, WA 98685 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $904 | $2K | $3K | 35.34% |
| BENEFITS BY DESIGN INC3 Filed as: BENEFITS BY DESIGN, INC. | 2101 NE 279TH STREET RIDGEFIELD, WA 98642 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $449 | $174 | $623 | 7.60% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL REED & SCHMITTEN INSURANCE | 124 EAST PENNY ROAD, SUITE 101 WENATCHEE, WA 98801 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $241 | $0 | $241 | 2.94% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PREMERA BLUE CROSS | 325 | $3.2M |
| Dental | DELTA DENTAL OF WASHINGTON | 365 | $224K |
| Vision(2 contracts, 2 carriers) | PREMERA BLUE CROSS | 325 | $3.2M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 342 | $204K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 27 | $8K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 342 | $169K |
| Prescription drug | PREMERA BLUE CROSS | 325 | $3.2M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 342 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.