| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | — | $45K | 7.44% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 3.35% |
| ASSUREDPARTNERS3 | 1325 4TH AVE SEATTLE, WA 98101 | DELTA DENTAL OF WASHINGTON | $14K | — | $14K | 7.59% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | DELTA DENTAL OF WASHINGTON | $6K | — | $6K | 3.37% |
| ASSUREDPARTNERS3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 7.51% |
| CU BENEFITS3 | 451 DIVISION ST NE SALEM, OR 97301 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.37% |
| ASSUREDPARTNERS3 | 1325 4TH AVE STE 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.87% |
| CU BENEFITS ALLIANCE3 | 451 DIVISION ST NE SALEM, OR 97301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.72% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF WASHINGTON | 219 | $186K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $118K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $118K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $118K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $604K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.