| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & ONEILL BENEFITS LLC | 818 W RIVERSIDE AVE SUITE 800 SPOKANE, WA 99201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 4.87% |
| UNITED BENEFIT ADVISORS NW LLC3 | 7632 SW DURHAM RD STE 115 TIGARD, OR 97224 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 2.44% |
| MOLONEY & ONEILL LIFE INC3 | 818 W RIVERSIDE AVE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.92% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & ONEILL BENEFITS LLC | 818 W RIVERSIDE STE 800 SPOKANE, WA 99201 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 4.42% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & ONEILL BENEFITS LLC | 818 W RIVERSITE STE 800 SPOKANE, WA 99201 | HARTFORD LIFE AND ACCIDENT | $765 | — | $765 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GROUP HEALTH COOPERATIVE EIN 91-0511770 CLAIMS PROCESSING | Claims processing Service code 12 | — | $247K |
| UMR, INC EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $121K |
| DELTA DENTAL OF WASHINGTON EIN 91-0621480 CLAIMS PROCESSING | Claims processing Service code 12 | — | $41K |
| MOLONEY ONEILL LLC EIN 20-5787672 BROKER | Other commissions Service code 55 | — | $20K |
| DECORIA MAICHEL & TEAGUE EIN 91-1900424 AUDITOR | Accounting (including auditing) Service code 10 | — | $17K |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 50 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 533 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | STANDARD INSURANCE COMPANY | 470 | $105K |
| Long-term disability | STANDARD INSURANCE COMPANY | 429 | $89K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 485 | $548K |
| Other | HARTFORD LIFE AND ACCIDENT | 724 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 724 | — |
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.