| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITMALL3 | 2111 E. HIGHLAND AVE PHOENIX, AZ 85016 | THE UNION LABOR LIFE INSURANCE COMPANY | $15K | — | $15K | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WELFARE & PENSION ADMIN SVCS, INC. EIN 91-1363171 NONE | Claims processing; Plan Administrator; Accounting (including auditing); Other services; Contract Administrator; Direct payment from the plan Service code 10 | — | $801K |
| PREMERA EIN 91-0499247 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $335K |
| RAEL & LETSON EIN 94-1701048 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $106K |
| BARLOW COUGHRAN MORALES & JOSEPHSON EIN 91-0889948 NONE | Legal; Direct payment from the plan Service code 29 | — | $88K |
| DELTA DENTAL OF WASHINGTON NONE | Direct payment from the plan; Claims processing Service code 12 | PO BOX 741301 LOS ANGELES, CA 90074 | $68K |
| WASHINGTON CAPITAL MANAGEMENT, INC EIN 91-1042342 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $61K |
| NATIONAL COOPERATIVE RX EIN 04-3775178 NONE | Other fees Service code 99 | — | $30K |
| AUKEMA & ASSOCIATES EIN 20-2023367 NONE | Direct payment from the plan; Other services; Consulting (general) Service code 16 | — | $30K |
| CHANGE HEALTHCARE EIN 20-5731067 NONE | Direct payment from the plan; Other services Service code 49 | — | $30K |
| CLIFTONLARSONALLEN LLP EIN 41-0746749 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $29K |
| UPRISE HEALTH NONE | Other services; Direct payment from the plan Service code 49 | DEPT 75273, SUITE 100 5450 N CUMBERLAND AVE CHICAGO, IL 60656 | $21K |
| US BANK N.A. EIN 31-0841368 NONE | Soft dollars commissions; Custodial (securities); Direct payment from the plan Service code 19 | — | $19K |
| BANK OF AMERICA EIN 94-1687765 NONE | Direct payment from the plan; Other services Service code 49 | — | $17K |
| ANASTASI, MOORE & MARTIN PLLC EIN 20-8149084 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $15K |
| JESSE GRAY TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 7525 SE 24TH ST #200 MERCER ISLAND, WA 98040 | $14K |
| CVS CAREMARK EIN 05-0340626 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $13K |
| KEVIN DOLAN TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 7525 SE 24TH ST #200 MERCER ISLAND, WA 98040 | $12K |
| BRETT WIDEMAN TRUSTEE | Trustee (individual); Direct payment from the plan Service code 20 | 7525 SE 24TH ST #200 MERCER ISLAND, WA 98040 | $12K |
| TODD TAYLOR TRUSTEE | Direct payment from the plan; Trustee (individual) Service code 20 | 7525 SE 24TH #200 MERCER ISLAND, WA 98040 | $10K |
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 | 1,150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 338 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Stop-loss / reinsurancereinsurance | THE UNION LABOR LIFE INSURANCE COMPANY | 1,634 | $306K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,634 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.