| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | PO BOX 4386 MISSOULA, MT 59806 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $913 | $14K | 15.84% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | 390 BRADLEY BOULEVARD RICHLAND, WA 99352 | DWS HOLDINGS, DBA PINNACLE PEAK ADMINISTRATORS | $0 | $13K | $13K | 19.49% |
| TOBY FOUCH3 | 1416 SOUTH IVORY STREET SPOKANE, WA 99203 | DWS HOLDINGS, DBA PINNACLE PEAK ADMINISTRATORS | $0 | $9K | $9K | 12.72% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PAYNEWEST INSURANCE, INC. | 501 NORTH RIVERPOINT BOULEVARD SUITE 403 SPOKANE, WA 99202 | AMERITAS LIFE INSURANCE CORPORATION | $0 | $78 | $78 | 2.30% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 210 | $1.2M |
| Dental | DWS HOLDINGS, DBA PINNACLE PEAK ADMINISTRATORS | 163 | $69K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 131 | $3K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $89K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $89K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $89K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN OF WASHINGTON OPTIONS, INC. | 210 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 176 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.