| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS | 1125 NW COUCH ST., STE. 900 PORTLAND, OR 97209 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $5K | $5K | 1.25% |
| UNITED BENEFIT ADVISORS NW LLC3 Filed as: UNITED BENEFIT ADVISORS NW | 3000 A ST., STE. 400 ANCHORAGE, AK 99503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 0.39% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WASHINGTON LLC | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 4.38% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS | 1125 NW COUCH ST., STE. 900 PORTLAND, OR 97209 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 1.11% |
| MCM3 | 1325 4TH AVE., STE. 2100 SEATTLE, WA 98101 | SUN LIFE ASSURANCE COMPANY OF CANADA | $856 | — | $856 | 0.53% |
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 | 765 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 780 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 765 | $162K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 765 | $162K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 675 | $378K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 765 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 765 | — |
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.