| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.79% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.61% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 3.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $962 | $962 | 3.76% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF WA INC | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $445 | $445 | 3.91% |
| STEELE INSURANCE3 Filed as: STEELE INS & FINANCIAL SVCS INC. | — | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$9 | — | -$9 | -0.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FIRST CHOICE HEALTH NETWORK, INC. EIN 91-1272766 NONE | Claims processing; Contract Administrator Service code 12 | — | $163K |
| DIMARTINO ASSOCIATES EIN 91-0378940 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $117K |
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 | 1,050 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 626 | $285K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,050 | $87K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 851 | $98K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 186 | $26K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 503 | $530K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,050 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.