| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTONT, LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $81K | — | $81K | 13.76% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 450 S. ORANGE AVE. FL. 4 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 15.85% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 450 S. ORANGE AVE. FL. 4 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 15.85% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 1325 4TH AVE. STE. 2100 SEATTLE, WA 98101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 450 S. ORANGE AVE. FL. 4 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $930 | $4K | 20.40% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 450 S. ORANGE AVE. FL. 4 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $535 | $2K | 20.26% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 450 S. ORANGE AVE. FL. 4 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $157 | $182 | $339 | 10.79% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON, LLC | 450 S. ORANGE AVE. FL. 4 ORLANDO, FL 32801 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $36 | $56 | $92 | 12.81% |
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). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $588K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $588K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $86K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 24 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 221 | $45K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $588K |
| Other(5 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.