| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARKER SMITH & FEEK INC.3 | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | AETNA LIFE INSURANCE COMPANY | $95K | — | $95K | 1.96% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE | 700 NE MULTNOMAH PORTLAND, OR 97232 | AETNA LIFE INSURANCE COMPANY | $49K | $20K | $69K | 1.42% |
| VARIOUS - SEE ATTACHED3 Filed as: AFLAC | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $21K | $1K | $22K | 19.42% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 11.11% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.21% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE | P.O. BOX 62949 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.89% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 11.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.34% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE | P.O. BOX 62949 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.00% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | VISION SERVICE PLAN | $4K | — | $4K | 7.43% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE | P.O. BOX 62949 VIRGINA BEACH, VA 23466 | VISION SERVICE PLAN | $2K | — | $2K | 2.56% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER SMITH & FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 11.11% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE | P.O. BOX 62949 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $711 | — | $711 | 3.89% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $555 | $555 | 3.04% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $493 | $493 | 5.31% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE | P.O. BOX 62949 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $369 | — | $369 | 3.97% |
| PARKER SMITH & FEEK INC.3 Filed as: PARKER, SMITH & FEEK, INC. | 2233 112TH AVENUE NE BELLEVUE, WA 98004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $759 | — | $759 | 11.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | P.O. BOX 62889 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $326 | $326 | 4.81% |
| USI INSURANCE SERVICES LLC3 Filed as: KIBBLE & PRENTICE | P.O. BOX 62949 VIRGINA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $257 | — | $257 | 3.79% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 740 | $4.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 740 | $4.8M |
| Vision | VISION SERVICE PLAN | 299 | $60K |
| Life insurance(4 contracts, 2 carriers) | AFLAC | 309 | $203K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 92 | $119K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 309 | $72K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 740 | $4.8M |
| Other(3 contracts, 2 carriers) | AFLAC | 309 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.