| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & ONEILL LIFE, INC. | 818 W RIVERSIDE SUITE 800 SPOKANE, WA 99201 | LIFEWISE ASSURANCE COMPANY | $11K | — | $11K | 3.35% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & ONEILL LIFE, INC. | 818 W RIVERSIDE SUITE 800 SPOKANE, WA 99201 | VISION SERVICE PLAN | $3K | — | $3K | 2.13% |
| MOLONEY & ONEILL LIFE INC3 Filed as: MOLONEY & ONEILL LIFE, INC. | 818 W RIVERSIDE SUITE 800 SPOKANE, WA 99201 | WILLAMETTE DENTAL OF WASHINGTON, INC. | $5K | — | $5K | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PREMERA BLUE CROSS EIN 91-0499247 CONTRACT ADMINISTRATION | Contract Administrator Service code 13 | — | $437K |
| WASHINGTON DENTAL SERVICE EIN 91-0621480 CONTRACT ADMINISTRATION | Accounting (including auditing) Service code 10 | — | $76K |
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 | 788 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | WILLAMETTE DENTAL OF WASHINGTON, INC. | 84 | $42K |
| Vision | VISION SERVICE PLAN | 779 | $123K |
| Other | LIFEWISE ASSURANCE COMPANY | 759 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 779 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.